Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX reported a medical collections account in the amount of {$1500.00} to Equifax without notifying me of the debt and giving me an opportunity to dispute or validate the debt.
Complaint sub-issue: Information is incorrect

I wrote a request to correct the spelling of my name, the correct addresses and the spelling of employer. I mailed out to XXXX, XXXX and equifax XX/XX/2017. I never heard back from anybody. 
I look forward to resolving this. Thank you XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

After applying for a loan, Equifax is reporting my address incorrectly ( XXXX XXXX XXXX # XXXX  XXXX MD XXXX ) wrong address, and has an Online Credit Collection Agency for XXXX XXXX ( XXXX ) account on my credit report with a fictitious account number. 

XXXX XXXX is unable to verify or dispute the collection account information. 

Collection information that was reported incorrectly was removed from the report then replaced back on the report with a more recent date of report. 

These issues are causing hardship for me to get housing, a loan, a job or advance credit.
Complaint sub-issue: Reporting company used your report improperly

ON XX/XX/2018 RENT RECOVER OF BETTER XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL NO.XXXX AND CELL XXXX XXXX2 TIMES AFTER CEASE AND DESIST NOTICES.
Complaint sub-issue: Information belongs to someone else

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There were two charges on my account I did not authorize on my credit card ( discover card ) on XXXX for {$540.00} & XXXX {$400.00} plus fees comes to total of {$990.00}. XXXX department already decided they will not refund my money. I have submitted documents this was not me, yet they are not providing any proof this was me and not providing any documents of showing my signature on any documents. 

Discover card address XXXX XXXX XXXXXXXX, XXXX XXXX, OH XXXX Card Number ending XXXX TELE # XXXX XXXX XXXX ( XXXX XXXX  )
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a debt validation letter to Progressive Management Systems on XX/XX/2022 in regards to an alleged medical debt. They responded a few days later with an alleged bill showing private medical procedures without my consent. Progressive management systems violated several of my consumer rights, including ( HIPAA ) And also failed to validate a debt at my request, Which is a FDCPA violation. Not only have they ignored my prior request for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. 

I responded to progressive management systems on XX/XX/2022 with a second letter asking them to remove the alleged debt due to several violations, in which they received on XX/XX/2022 certified mail. Pictures and receipts will be provided. In that letter I asked them to please stop reporting this debt due to failure to properly validate the debt, and because they violated HIPAA by sending private medical records. It's been over 30 days and they have yet to respond to me. 

*I will have all the documents attached to this complaint. Please view attached images*
Complaint sub-issue: Their investigation did not fix an error on your report

I was involved in an identity theft incident and EQUIFAX DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from Equifax that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.
Complaint sub-issue: Information belongs to someone else

Notified the company that the information being reported was not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my Equifax credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with Equifax, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that Equifax requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.
Complaint sub-issue: Can't close your account

While on vacaton in XXXX in XX/XX/XXXX, my citi card account received several charges I did not initiate. Got an email while I was there asking if I recognized the charges, checked a box saying I did not and sent the email reply. When I got home, had a number of phone messages telling me to call fraud investigator at citi bank. I did and confirmed my earlier email reply that I did not recognize the charges. Was told to destroy that card, a new one would be sent to me.
When I got my statement covering period thru XX/XX/XXXX, there was an additional fraudulent charge. Called ( XX/XX/XXXX ) to inform them of this charge and was told they could n't verify who I was so could not help me. 
When I got the new card, called ( XX/XX/XXXX ) the number on the card to activate it. After a very long time trying to do so, was told again they could not verify who I was and would not activate it. 
Received a statement for the period ending XX/XX/XXXX for the new card ( the one I had not been able to activate ) with a charge on it. Decided to try emailing from their website to see if I could get resolution. Sent email XX/XX/XXXX. received polite but totally inadequate responses. 
Finally decided to fax a letter ( XX/XX/XXXX ) stating I refused to pay the charge on the new account and requesting the account be closed. Since then I have continued to receive a new statement each month with additional charges added. I also get several emails each month about the charges not being paid. I also get at least one call a day telling me to call another number for a recorded message telling me to pay my bill. This harassment has been continual since XX/XX/XXXX up to the present.
Complaint sub-issue: Termination fees or other problem when ending the lease early

I turned in my XXXX XXXX XXXX 3 months early, XX/XX/XXXX, due to the diesel emissions scandal. In addition this new lease vehicle had numerous mechanical problems including parking break failure. VW has let me down. 
In XX/XX/XXXX I paid off the entire lease in advance. I had also overpaid an approximate amount of {$850.00}. I have had a {$0.00} balance and surplus since that time. The surplus amount was refunded to me earlier this year. My balance on recorded continued to be {$0.00} through XX/XX/XXXX. 

When I moved to cancel the lease, the XXXX XXXX XXXX made it very clear that any lease payment refunds are only handled by VW Credit -- the 2 operate separately. I did n't receive a refund check from VW Credit and called on XX/XX/XXXX inquiring about the lease overpayment refund of {$1000.00}. I was told it takes up to 21 days to process. It 's XX/XX/XXXX and still no check. My VW Credit account online now says I must call to see any balance. I called XXXX and was told they did n't know anything about my balance and to call XXXX, then i was told to call XXXX and then XXXX ext XXXX. I was also told the XXXX XXXX XXXX handles this. No one knows what happened to my overpayment. Each person I 've spoken to has told me a different story. It 's infuriating. I log in to my VW credit account and all records confirming this payment history and overpayment have been removed by VW. My original lease ended XX/XX/XXXX so I am due the overpayment of {$1000.00} from XX/XX/XXXX - XX/XX/XXXX. Please help me.
Complaint sub-issue: Was not notified of investigation status or results

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX RE : Notice of stolen/unauthorized use of ATM/Debit Card Account ( CitiBank ) Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was stolen & was used for an unauthorized transaction on XX/XX/XXXX. I did not authorize any transactions on or after this date, and I did not authorize anyone else to take moneys out of my account or use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$2000.00} I am able to provide a copy of each of the following documents to this letter : 1. A copy of my Bank Statement which includes : o Copy of Fraudulent Check deposited and withdrawn o The police report about the theft of my identity and robbery that happened in XXXX XXXX. 
o Copy of Bank Statement reflecting fraudulent withdrawals 2. The FTC Notice to Furnishers of Information I went to the bank and I asked them to close the account and restore any funds which have been withdrawn from my account. I asked banker to also notify me in writing of the results of their investigation and asked them to send me written confirmation that all stolen funds have been restored and the account has been closed.
Complaint sub-issue: Reporting company used your report improperly

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX  is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Complaint sub-issue: Public record information inaccurate

XXXX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
Complaint sub-issue: Problem getting your free annual credit report

A car was purchased using my personal information while I was under wage earner. My drivers license number is  XXXX . It have been stolen. My social security number stolen the spelling of my name was  XXXX   XXXX   XXXX  in the court. My address was  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I was suppose to be protected under wage earner.
Complaint sub-issue: Account status incorrect

I am requesting for Equifax as well as XXXX XXXX XXXX to remove late remarks from my credit files. I have always paid on time and never been late.
Complaint sub-issue: Their investigation did not fix an error on your report

I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Complaint sub-issue: Loan sold or transferred to another company

I purchased my vehicle, with a pre-approved loan from XXXX XXXX XXXX, from Total Auto Finance in XXXX, Virginia. I tried to set up my account so I could make my payment online, it kept kicking me out. I called Total Auto Finance to discuss the issue, and they informed me that my account was with XXXX and that is who I should be making my payments to. So, I got in touch with XXXX, made my first payment on XX/XX/21, for {$340.00}, it wasn't due till XX/XX/21. I received a phone call from Total Auto Finance on XX/XX/21, stating my payment was late. I explained to them what they had told me originally, sent them the confirmation email I received from XXXX, everything was fine. So I thought. My next payment, I paid to XXXX on XX/XX/21, for the amount of {$340.00}, the day it was due. On XX/XX/21, I received a phone call from Total Auto Finance stating they were going to repossess my vehicle if I didn't make a payment to them. Again, I explained to them what they had originally told me in the beginning. I sent them the confirmation email I received from XXXX. I spoke with someone from XXXX that evening, and they said that Total Auto Finance had purchased the account from them, and any correspondence going forward regarding my account had to be made to them, Total Auto Finance. I had been trying to contact Total Auto Finance through email, phone calls, and text messages, trying to find out what my new account number was, so I could set everything up and make my payment online. They finally called me back yesterday, to tell me to just call them and they could do everything over the phone. I really don't want to do it over the phone, because, at this point, I really have zero trust in this company in their abilities. 
Today, XX/XX/21, I received a threatening email stating that my insurance on the vehicle had expired, and that was cause for the vehicle to be repossessed. I contacted XXXX XXXX to verify my insurance was still active, and they assured me it was. I just made a payment on XX/XX/21 in the amount of {$180.00}. I sent Total Auto Finance the confirmation email from XXXX XXXX regarding this payment. 
Total Auto Finance seems to have a real strong desire to repossess my vehicle. I feel the harassment I am receiving is completely unwarranted and unnecessary. Total Auto Finance seems to be a very unprofessional organization. The only emails I receive are threatening to take my vehicle. 
There is no telling how many other customers they have repossessed vehicles from due to their incompetence. If I mess up on my end, that is one thing, but I will not be treated this way due to the ineptness of their records keeping.
Complaint sub-issue: Problem during payment process

I have a loan with Citi/Cbna. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Citi/Cbna with no successful resolution. XXXX only reporting me late.
Complaint sub-issue: Can't temporarily postpone payments

I am currently going through hardship and can not pay this loan.
Complaint sub-issue: Received bad information about your loan

My concern is that I was recently informed by Nelnet that I do not qualify for the Public Service Student Loan Forgiveness Program. I have been a XXXX XXXX for 10 years beginning in XX/XX/XXXX, and therefore have made over 10 years worth of student loan payments to Nelnet. I consolidated my student loans in XX/XX/XXXX when I graduated from XXXX XXXX. 

I was told that I do not have the right type of loans to qualify for the forgiveness program. This comes after YEARS of understanding that I would qualify for the program. Nelnet has recently indicated that the only way for me to qualify for the forgiveness program is to re-consolidate my student loans and make 10 more years of payments since none of my previous payments would qualify. 

I feel like Nelnet and the Federal Government has mislead me with an understanding that I would qualify for the forgiveness program. 

Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted Citi Credit Card to dispute three transactions that were charged to my Citi Card. My wife is an authorized user on my card and used her card to purchase something in XXXX. The transaction was for {$660.00}. The transaction did not go thru and due to that the merchant tried two more times for a total of three times for the same amount. All three times the merchant said it was declined so my wife gave a local card and the transaction went thru. I have the receipt that shows that I used a local XXXX card ( XXXX Debit Card  ) to pay for the merchandise. 
After returning to United States, I filed a claim for the three charges. I was told to send in docs that show that I paid for the merchandize with a different card, which I did. I waited to find out their result. They contacted me a few days after to tell me that I needed to show proof that I got charged three times on their card because their fraud department does not have access to their own card records. I provided that along with all the evidence again and a letter to tell them exactly what happened. 
Citi still decided to settle the charges in the favor of the merchant even though there is plenty of evidence that the merchant was paid in a different way. 
I would like to file a complaint against Citi and its fraud department. They are not being an advocate of the client and not doing their due diligence to stop fraud on their customers. I would like to get my three charges reversed and Citi to have better training in their fraud department to avoid this type of poor client experience.
Complaint sub-issue: Reporting company used your report improperly

Can you please help me to resolve this matter. Just found out on my consumer file that Equifax has furnished a Bankruptcy on my credit file. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not share this information with Equifax or XXXX the company Equifax used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and Equifax numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I UPLOAD AND MAIL DISPUTES FOR FRAUD AND INSTEAD THEY TREAT IT AS A DISPUTE, THEY TOLD ME TO HAVE A POLICE OR FTC REPORT WITH ACCOUNT AND NAME OF FRAUD LISTED AND I SEND THEM THAT INFOMATION EVER I AM A VICTIM OF IDENTITY THEFT FOR OVER THE PAST 3 YEARS OR MORE.I BEENCATCHING THE THEFT THE PAST 2 YEARS BUT LAST YEAR I WAS SICK AND ALSO LOST MY JOB SO I START SEEING THE EXTRA ITEMS COMING OUT MY ACCOUNT, BECAUSE THE IDENTITY THEFT THAT WAS OBVIOUSLY CLOSE TO ME EITHER AS A FAMILY OR FRIEND, WAS OPENING UP SMALLER ACCOUNTS IN MY NAME AND WAS PAYING THEM THRU MY BANK AND WHEN THE CHECKS START BOUNCING BECAUSE I EITHER HAD ENOUGH MONEY FOR MY BILLS THAT I AUTHORIZED TO OPEN OR BILLS I DEFERRED THRU COVID. THESE CREDIT BUREAUS REFUSED TO REMOVE THE FRAUD ACCOUNTS. I GOTTEN A POLICE REPORT WITH THE ITEMS LISTED AT THE POLICE DEPARTMENT INTERNAL SYSTEM, I ALSO HAVE A FTC REPORT AND A AFFIDAVIT OF FACT SWEARING IM TELLING THE TRUTH, WITH THE BANK STATING I WAS A VICTIM OF FRAUD TO THE POINT THAT THEY HAD TO CHANGE MY BANK ACCOUNT. I HAVE MULTIPLE WAYS TO PROVE ITS NOT ME BUT THIS IS THE BEST ONE. MY MORTGAGE WAS {$3000.00} CAR NOTE {$1000.00} A FEW CREDIT CARDS {$500.00}, WHY WOULD I NOT PAY THE {$25.00} BILLS AND {$100.00} BILLS ALSO THESE ACCOUNTS START GOING NEGATIVE IN 2020, THATS WHEN THE CARES ACT WAS SIGN AND IT GAVE PERMISSION FOR CREDIT CARDS CAR LOANS, ALMOST 90 % OF ALL BILLS TO BE DEFERRED 3 MONTHS AT A TIMEAND YOU CAN DO THEM 2 TO 3 TIMES IN THE YEAR. SO IF THEY WERE MINES, ALL I WOULD HAVE TO DO IS DEFERRED THEM. THIS IS MY 5TH TIME SENDING THESE DOCUMENTS TO THE CREDIT BUREAUS AND THE CREDITORS THEMSELVES, AND THEY SAY WELL WE HAVE A COPY OF THE RECIEPT AND COPY OF APPLICATION BUT WHY OF COURSE. NOBODY IS GETTING THESE ITEMS WITHOUT ID AND ID CAN BE USE STOLEN OR BORROW AND I THINK ALL 3 HAPPEN. UNDER THE LAW I HAVE DONE EVERYTHING CORRECT TO GET THESE ITEMS REMOVE. THIS HAS STOP ME FROM GETTING MY SBA EIDL LOAN BECAUSE OF MY CREDIT AND IT HAS STOP US FROM REFINANCING AND MORE. AND HAS STRESS ME OUT SO BAD TO THE POINT WELL IM TRYING TO RAISE MONEY FOR A LAWYER. I AM SO FUSTRATED FOR THEM TO TELL ME IM LYING ABOUT A POLICE REPORT IS FAKE AND THEY KNOW ITS NOT, THEY JUST HAVE TO CALL THE POLICE STATION, THEY HAVE DESTROYED MY LIFE. I WILL NOT GIVE UP UNTIL THIS FRAUD STUFF IS GONE OFF MY CREDIT AND IM REALLY REALLY THINKING ABOUT SUING THEY VIOLATED MY RIGHTS OVER 100 TIMES, THATS 100 TIMES {$1000.00} PER VIOLATION PLUS PUNITIVE DAMAGES AND MORE