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

XXXX XXXX XXXX , XXXX Account XXXX I recently uncovered that XXXX XXXX XXXX continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to cause further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by XXXX XXXX XXXX each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, XXXX XXXX XXXX began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession. After consulting with a legal advocate attorney who is handling other complaints against this credit reporting agency, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail the deceptive business practices and false credit reporting to the agency by the data furnisher, failure of the data furnisher to abide by a cease and desist even after receiving notice of my intent to file bankruptcy, and failure of the credit reporting agency to report correct valid information or remove the invalid/erroneous record from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

CBNA failed to respond to 3 challenge letters showing that I owed the debt and everything was accurate.
Complaint sub-issue: Information belongs to someone else

XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, XXXX XXXX
Complaint sub-issue: Problem accessing account

PNC will not allow me to sync my account with apps or other accounts.
Complaint sub-issue: Account information incorrect

I paid my XXXX  account which was paid XXXX $ minimum payment on XX/XX/ 2022. XXXX XXXX  did not try to process the account until two weeks later which resulted in my account being a month past due.
Complaint sub-issue: Information belongs to someone else

FTC Violations XXXX {$1000.00} XXXX {$5200.00} XXXX   {$470.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1000.00} Inquiries : 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  Never live at these addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Investigation took more than 30 days

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I wrote to EQUIFAX requesting to correct my personal information. I sent them : my Current Driver 's License, 3 Utility Bills, and 3 paystubs and social security card to correct my information to fix/update my name CORRECTLY, my address and employment. I also requested that XXXX XXXX AND XXXX XXXX XXXX be verified. EQUIFAX NEVER RESPONDED AND NO UPDATES HAVE BEEN MADE TO MY CREDIT REPORTS SINCE XXXX. 

As I stated that : Credit account # 1 ( XXXX XXXX or as it may have re-appeared as XXXX XXXX 1 ) you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX - This account keeps being allowed to modify their name and re-appearing on reports. 
Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

four accounts are reporting on Equifax fraudulently, these accounts do not belong to me, and per FCRA laws these if the accounts are fraudulent it should not stay on someone elses profile, but these are and it has made my life very much unbearable and stressful.

please i need these inaccuracies to be deleted or removed from my equifax credit file, m they have not been friendly nor have been helpful.

i think they have a glitch or something, their system is not working well and very much stressful. i have already provided my police report and FTC report to them but no use., somehow i researched and i am writing this complaint regarding them. i will be attaching my paper work and the accounts names and numbers shown on the FTC report. will be letting you know which one i have complaint about.

appreciate your help and understanding.

thank you
Complaint sub-issue: Account status incorrect

In XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

And XXXX did not report that account was in good standing which it was.
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Attempted to collect wrong amount

Fedloan servicing {$1700.00}, {$4000.00}, {$2600.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 I submitted my first initial dispute due to incorrect and erroneous account information reflecting on my credit report. I asked the Bureau to provide me with THE ORIGINAL CONTRACTS on file between I and said creditor/s. The bureau responded to dispute as either verified or accurate, however they did not supply their Methods of Verification or the ORIGINAL CONTRACTS on file between I and said creditor/s. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the Credit Reporting Agency and this Agency has VIOLATED that right by not supplying any explanation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. However, they have not, and have broken the law. I DEMAND these accounts be REMOVED and DELETED.
Complaint sub-issue: Company closed your account

They closed one of my accounts with no balance on it due to inactivity. I have two accounts with them. One has a balance and one didn't. The last payment was made in XXXX of 2021 so the activity was less than a year ago. 

What they did is going to be very destructive to my debt to credit availability. It will cause my credit score to plummet. This is a snowball effect. Once this happens it will trigger other card to perhaps close accounts that I am not using and also cause other cards to lower my limit to my debt. This will send my credit score further plummeting. My current credit score is a XXXX. 

I rely highly on my credit as I am in real estate and work with lenders all of the time. I make my payments on my debt all of the time. I had a {$7800.00} credit limit with no debt on it. My card was not activated bc I didn't have it. There was no curtesy call, nothing. They emailed me XXXX hour before they closed. Then they say there is nothing they can do but have me reapply for credit. So I did. They denied me. Now I have another inquiry on my credit. 

They are going to cripple me for what I do in business by causing me a multitude of problems.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX  Bankruptcy Reference # : XXXX XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Problem getting report or credit score

I was logged into EQUIFAX , disputing my credit report with EQIFAX, and the credit agency " timed '' me out after completing my dispute. I loggedin again and gave all my personal information and coincidentally, I wasblock by EQUIFAX , and was refused login. Additional information wasrequired for me to log in ( mail in a copy of my drivers License ) and Icould then dispute the issue. I believe that EQUIFAX , intentionally blockme from their site because of the nature of the complaint and thecompany that I am complaining about. Furthermore, I can not talk tocustomer service without having account with EQUIFAX.
Complaint sub-issue: Information belongs to someone else

Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2021. I received a call from US Bank Cardmember ServXXXX asking me if I had a card number ending in XXXX. I was confused because I do not have any card ending in XXXX. Later I learnt that this card ending in XXXX was the replacement card for the XXXX XXXX XXXX, but I have never received the card. The representative said there were suspicious transactions and believed there were fraud activities going on. I made sure that I do not own the card and I did not make any transaction using the card. She assured me that everything is taken care of and closed the account immediately. The total amount of {$4000.00} were made on XX/XX/XXXX and XX/XX/2021. I don't even know the whole 16 digit card number as I've never received or seen this card. 

3 weeks later I received letter from US Bank Cardmember Service claiming that after their investigation, they will make me liable for these charges. The reason is the card was activated from a phone number that is shown on my account. US Bank also called that phone number to verify. This is ridiculous because I never have that phone number. I tried to work with their agents and all I learnt that all they did is keeping calling that fraud phone number to verify, which is totally illogical. 

The issue is obvious. Someone hacked into US Bank Cardmember Service system and added a phone number to my account. With this phone number added, they may have changed my address so I never received the card. They activated the card using that phone number without being confirmed of the identity. US bank does not do any identity check but just use that phone number as identification. Whoever owns that phone number is the apparent criminal of this case. 

US Bank Cardmember Service should do the real investigation to chase the criminal who hacked into their system, but they did not. Instead, they simply blaming it on me stating that since the phone number is on the account, they are making me liable for these fraud transactions. This is totally unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing stating I was 30 Days late in on this account. 

I might have been 28 or 29 days late. According to the FCRA, you can not report false information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately updated from the credit file you maintain under my Social Security number to paid on time, never late. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX put a hard inquiry thru on my equifax report that I did not authorized.
Complaint sub-issue: Problem with fees

discover card : sent bill made the payments, discover card : months down the road prints wrong address on bill, still made automatic, payments discover card : raises interest rate bill payments goes up, all notification letters go to wrong address, automatic payments still continuing.

discover card : fees go wild unknown to me. they call after months.

discover card : corrects address suppose to clear up fees.

Discover card every month clears up fees if I call, five months go by and continuation of late fees go on.

Discover card now says nothing more they can do I have to pay them all the extra fees which added up five months worth.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2021 I went to Citi Bank at XXXX XXXX XXXX  XXXX XXXX, IL XXXX to inquire on a savings promotion that I received in the mail. The offer ( attached ) was a direct mail offer to me, and existing Citibank Customer to open a savings account with {$250000.00} in new money to received a bonus of {$1000.00} after the balance requirement was met after 60 days ( Maintenance Period ). The bank representative XXXX XXXX advised me to take advantage of a different in branch offer. Open a Citi Gold Account Package with Checking and Savings to earn a bonus of {$1500.00} after 6 months by meeting the qualifier of depositing {$250000.00} new money. The bank representative opened the accounts for me and deposited my check of {$250000.00} from XXXX XXXX  ( new money ). The funds were split amongst the 2 accounts {$200000.00} to CG Checking ending XXXX and {$50000.00} to Citi Savings ending XXXX. 

After the 6 month period passed I did not receive bonus. I went into the branch to speak with the bank representative but he no longer worked there. I spoke with the Branch Manager XXXX XXXX, XXXX XXXX Head Concierge and numerous other representatives by phone. XXXX stated that I did not qualify for this promotion because I already had an existing checking account. If I did not qualify for this offer they never should have recommended this type of account for me. The original offer I inquired about did qualify for existing clients but they convinced me to open a different account package. XXXX and XXXX told me they would escalate my complaint for an exception for the bonus to be paid since the bank representative disclosed the incorrect terms to me. I have not heard back from XXXX or XXXX. I have contacted him numerous times by phone. I still have not received a resolution and response. They are ignoring me. The bank representative used deceptive sales practices to increase sales numbers by having me open numerous accounts for a promotion that they are saying I do not qualify for. 

The attachment includes the account opening disclosures given to me, the account opening summary of the 2 accounts opened and opening deposit balance, statement with account opening date deposit and copy of check as proof of new money
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXX, Me and my roommates rented an apartment from an agency called XXXX XXXX XXXX XXXX located in XXXX Colorado. The apartment we rented was an old one, with a lot of issues and an old carpet. After our one year lease ended up, we were surprise by the rental management office not even giving us our deposit, but also charging us with an amount of {$2400.00}. After we contacted the XXXX XXXX XXXX office, they said that we have to pay for a new carpet, and fix all the issues that the apartment had when we moved there. The apartment was build in about XX/XX/XXXX. 
I think we were victim of such unprofessional act from XXXX XXXX XXXX, and I wish your office get involved to get me and my roommates our right back. the agency filed a collection, so now my credit score get hurt. 
The apartment is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with CITI, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and CITI, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach, I was flagged as being a victim.