Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX with Mechanics Bank who financed the vehicle. From the very beginning, the car had major problems that I was unaware of and could not have known. In the first week after purchasing the car I was forced to return it back to XXXX XXXX while driving it the warning light came on " XXXX XXXX  '' the air suspension went out and the car lowered to an unsafe distance from the ground. XXXX XXXX XXXX sent the car out for repairs, however, two weeks after the repairs, the car lowered again to an unsafe distance to the ground. I had it towed to my local XXXX dealer, XXXX XXXX XXXX. When the tow truck arrived he was unable to line up the towlines on the front bumper, which appeared to be replaced and put on incorrectly. After the car was towed I reviewed the XXXX, though it had no accidents reported, there appeared to be a lot of work done on the car. As I called each company that had did repairs, this became a horror show, which each company stating that the car was not safe to drive, both bumpers had been painted over which rendered the sensors located in them useless. The previous technicians indicated that the car had been in an accident and appeared to be salvage. XXXX XXXX insisted I purchase an extended warranty which I did, however, I refused to use it to make repairs, as I felt they were preexisitiing and they would be made on my dime. I canceled the warranty in XX/XX/XXXX, however, the dealership held on to it until XX/XX/XXXX, after receiving the letter from my attorney they turned over the XXXX to Mechanics Bank. 
My complaint is against Mechanics Bank, as my attorney is dealing with XXXX XXXX XXXX. To finance this car for XXXX minus my down payment, a car salvaged not worth more than {$1500.00} at best, did not hold up to their financial obligations according to the FDIC. In addition, my car payments were misapplied I made my first payment to Mechanics bank and principal payment, however, the principal payment I requested was made to pay Mechanics Bank interest. As a consumer Mechanics Bank had a duty to protect their interest along with mine, which leads me to believe this fraud was done in concert between the two parties.
Complaint sub-issue: Account information incorrect

I have tried multiple times to get Equifax to remove XXXX county Department of Child support. Despite my overwhelming proof that this account is fraudulent, and request for a proper thorough investigation, this account remains on my credit.The most recent version of this account on my credit is incomplete. It does not show the terms or the amount to be paid every month, along with the highest balance being {$0.00} ( zero ). Why is there an account with highest balance of {$0.00} showing that I've made 96 % of the payment on not only still on my credit but impacting my credit negatively. All I asked for was for multiple times is that Equifax to do a proper investigation and provide me with the methods used to verify this account. I have been doing this for years and have yet to receive any documentation of such. Years. This is ridiculous and a clear violation of FCRA. The credit system is flawed
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 I responded to an on-line advertisement by XXXX who offered a free sample of their product ( just pay shipping charge ). I used my Citi credit card with the ending number XXXX. The following day while doing a bit of research on the product I ran across a customer complaint who had ordered a similar product and ended up being charged later for additional merchandise he did not order. Together with some Bogus sounding claims by the company that it was owned by XXXX XXXX who had discussed the product on the XXXX  XXXX show I was afraid I might be scammed so I called Citi the next day, XX/XX/2019, and reported the XXXX card lost so no future charges could be made on it. I was issued a new card ending in XXXX the next day and told to notify any companies that had recurring charges on the old card of the change since those payment would not be processed. 
When I received my XXXX statement there was a charge of {$89.00} by XXXX posted on XX/XX/2019, over 2 weeks after the XXXX card number that they had was cancelled. On XX/XX/2019 I called Citi and informed a customer service person named XXXX of this fraudulent charge. She said it looked like the merchant had established an account with recurring charges. I told her I didn't have an account with them, much less a recurring one. She said the charge would be waived pending further investigation and any further charges by this vendor would not be processed. On XX/XX/2019, to my complete amazement, Citi notified me that they had finished their investigation and determined that it was a valid charge! I mailed a response to their letter on XXXX advising them that I did not order, nor did I receive, any product after the free sample and furthermore XXXX does not have my XXXX card number so the charge was made on a credit card that had been cancelled over 2 weeks prior to the charge. Citi was played big time on this. They accepted a charge on a cancelled credit card and were deceived into believing the charge was otherwise legitimate. And they are trying to stick me with the bill. Citi should be ashamed of themselves and XXXX should be investigated for fraud. I hope you can help with this situation since Citi 's latest correspondence threatens notification to credit reporting agencies. I am proud to have credit scores in the 800 's for years. I am XXXX years old and this situation is really stressing me out. I would appreciate any help you can provide.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX Balance : {$9200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

Id theft victim. Another account popped up on my report XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I took a loan in XX/XX/XXXX, and you report a payment in XX/XX/XXXX, but not XXXX, XXXX, and XX/XX/XXXX. You are reporting the loan at 20 % paid when it is in fact 60 % paid. I KNOW this to NOT be the fault of the Bank, My Bank is a Small Bank, Family Owned for 4 generations, and not affiliated with any other XXXX XXXX XXXX  Anywhere, We are a small close Family and I have ask the President about their Reporting Habits, His answer is, They report Monthly, So I want to know Why XXXX XXXX is Always 3 months behind on getting it on my Report,,,, You are Falsely Keeping My Credit Rating Below what it should be, and I would like it FIXED within 30 Days, A carbon Copy of this Letter will be sent to the Consumer Advocate!
Complaint sub-issue: Didn't receive notice of right to dispute

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/2021
Complaint sub-issue: Information belongs to someone else

There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX  - Acct # XXXX Amt {$360.00}
Complaint sub-issue: Information belongs to someone else

I have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX   XXXX  account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Account status incorrect

Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. XXXX XXXX, XXXX & Equifax continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. Thank you,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my TXXXX credit report had also been made by XXXX XXXX XXXXT-WH XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX,XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX ( XXXX XXXX and LexisNexis Risk Solutions ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Complaint sub-issue: Information is not mine

I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted Equifax and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling XXXX to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent
Complaint sub-issue: Was not notified of investigation status or results

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX and the others sent on XX/XX/XXXX and XX/XX/XXXX still as of today there has been no progress. The below inaccurate items still show negatively on my report. I mentioned previously I was just made aware of my information being impacted by the Equifax data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section 807.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.
Complaint sub-issue: Account status

I have put numerous disputes with Equifax at no avail. I have emails with the creditor stating that the account is closed and paided in full since XXXX of 2014 and Equifax refuses to do anything.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested that the bureau to send me the creditor information they have received. I have also requested for a verification of method and have not received the information. Section 609 states I have a right to ask for information that was received.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AL ) XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

Sent mailed letters to company 30 days later I still have no response from the company. that's a violation to the FDCRA.
Complaint sub-issue: Account information incorrect

15 us code 1681 Congressional findings and statement of purpose under ( A ) Accuracy and fairness of credit reporting. Down below I have photos of inaccurate age of account. Also accounts documented with 2 different balances. This account has to be removed all information is not accurate and the same.
Complaint sub-issue: Received bad information about my loan

XXXX XXXX XXXX, XXXX Genesis loanI was forced to get the Genesis loan just so I could stay in the student dorms, and then halfway through the school year they made me pull more money out because they said there was n't enough to finish out the rest of the year, saying that if I did n't either get the loan or come up with the money I would n't be able to finish my entire XXXX of school, I was also forced to pay my loan while I was in school and they took it from my monthly allotment before they gave me my student loan check each month, there is almost no way to postpone payments without defaulting, they say you can lower your payment but there is no way to have a true forbearance on the loan and to top it all off, after I get out I find out the school has been sued for falsifying employment and strong arming for students into loans
Complaint sub-issue: Debt is not yours

I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called XXXX XXXX  that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.
Complaint sub-issue: Billing problem

Equifax has not updated my auto account in 4 months with XXXX XXXX bank as current and paid on time XXXX, XXXX, XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

A Account was fraudulently Used and exploited In my name with information from DISCOVER BANK account number XXXX I sent there investigation team multiple reports inorder to correct the reporting of this account because I was held responsible for the account I had to pay the balance of XXXX so that the account would not completely ruin my credit. I also filed a police report and sent it to the creditor .the fraudulent account now reports as paid but the account is still reporting incorrectly and should be removed I am still suffering from the covid 19 pandemic and an trying to obtain a mortgage this account reporting on my credit is stopping that from happening
Complaint sub-issue: Information belongs to someone else

When I checked my credit report, I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX
Complaint sub-issue: Problem with product or service terms changing

IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA