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

to remove wrong addresses ' from credit report, XXXX XXXX XXXX XXXX, or and also the XXXX XXXX XXXX XXXX, or i have never lived at those places.
Complaint sub-issue: Their investigation did not fix an error on your report

I have several student loans on my credit report that are reporting inaccurately. I have been sending letters to the credit bureaus ( Equifax, XXXX XXXX XXXX ) for the past 4 months. They keep " verifying '' and " updating '' but nothing ever changes. I have sent several letters via CERTIFIED MAIL. The last letter I sent was a factual dispute POINTING OUT the inaccuracies and it still came back " UPDATED & VERIFIED '' with the SAME inaccuracies. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. YOU ARE REQUIRED BY LAW TO REPORT 100 % ACCURATE INFORMATION ON MY CREDIT REPORT THERE IS NO WAY THAT THE SAME ACCOUNT IS REPORTING DIFFERENTLY ON EACH BUREAU. THE ACCOUNTS IN QUESTION ( US DEPT ED ). 

I WILL BE ATTACHING THE LETTERS I HAVE SENT AND WILL BE ATTACHING THE LAST REPORT SCREENSHOT FROM XX/XX/XXXX AND A SCREENSHOT FROM TODAY XX/XX/XXXX TO SHOW THERE WAS NO UPDATE IT WILL BE TIMESTAMPED. 

FIRST LETTER : XX/XX/XXXX CERTIFIED MAIL SECOND LETTER : XX/XX/XXXX THIRD LETTER : XX/XX/XXXX CERTIFIED MAIL
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used SAFEDRY CAPET CLEANER 100 % SATISFACTION GUARANTEE to clean my CARPETS. Charge was to be 'Special 3 room 's {$99.00}. THE CARPETS WERE DIRTIER THE NEXT DAY AND THE CHARGE WAS {$50.00} more than quoted. I called XXXX the manager, he said they would be out to RECLEAN FRI AT XXXX. My yard man XXXX XXXX and I waited from XXXX. No SafeDry RECLEAN PERSON CAME. 
I CALLED FIDELITY CUSTSERVICE TO DISPUTE They said, CANT, HASNT POSTED NEXT DAY Fidelity : CANT DISPUTE HASNT POSTED STILL PENDING 5TH CALL TO FIDELITY OK DISPUTE FILED, YOU ARE FINE T W O WEEKS LATER AFTER MOVING TO MY SUMMER HOUSE IN OHIO, I RECEIVED A LETTER FROM FIDELITY IT SAID DID NOT MENTION EVER BEFORE FIDELITY SAID XXXX REQUIRES US TO HAVE YOU HIRE ANOTHER CARPET CLEANING COMPANY TO GET ANOTHER ESTIMATE AND SEND IT TO US, FIDELITY I CALL ABOUT THE LETTER, WHICH SAYS THE ESTIMATE IS DUE T O M O R R O W I CAN NOT I AM XXXX MILES AWAY AND WHY DIDNT YOU EVEN MENTION N THIS REQUIREMENT WHEN I FILED THE DISPUTE HE ANSWERED I DONT KNOW, XXXX JUST STARTED REQUIRING THIS NO, THATS A LIE, I CALLED XXXX, THEY SAIDITS A LIE
Complaint sub-issue: Reporting company used your report improperly

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 instruction.
Complaint sub-issue: Account status incorrect

I disputed a " XXXX late payment '' XXXX reported XXXX Equifax and XXXX. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called XXXX XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, XXXX is has reported a XXXX late payment on my credit reports. I first called XXXX and they said to simply file a dispute with Equifax and XXXX. I filed a dispute with both companies by giving my account of the lease. Equifax and XXXX sent the information to XXXX and XXXX denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, XXXX late payment reporting from XXXX and XXXX the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the XXXX of Idaho. XXXX was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called XXXX XXXX XXXX and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent credit score and XXXX 's XXXX late reporting dropped my credit score by XXXX points on XXXX XXXX, XXXX. This is the only negative item on my credit report.
Complaint sub-issue: Account information incorrect

I initially opened a secured credit card with first progress bank, the security deposit was XXXX dollars. I had trouble making payments because they didnt take debit payments over the phone, overall many issues making payments in general, so I closed the account. Well I then pulled remainder of funds I deposited off the account and they neglected to close the account for many of months and charged me with XXXX dollars in late fees. Damaged my credit and score.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me 120 days late on XXXX, partial account number XXXX that has a {$0.00} balance and a {$0.00} past due amount. This incorrect reporting is hurting my credit score. It's impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Debt was result of identity theft

To Whom It May Concern, The reason for my dispute is AMERICOLLECT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMERICOLLECT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.  Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS AMERICOLLECT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMERICOLLECT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where AMERICOLLECT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMERICOLLECT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Information belongs to someone else

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX  XXXX Balance XXXX {$2700.00}
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received a {$10.00} promotional prepaid gift card from XXXX XXXX XXXX XXXX XXXX XXXX now owned by Syncapay , Inc. XXXX for completing an online rebate form after I purchased a graphics card from XXXX XXXX. 

The card expired in XX/XX/2021, and when I called XXXX 's customer service line on XX/XX/2021 to see about my options for retrieving my funds, they told me that the funds had expired along with the card, and there was no way for me to retrieve my funds. My money was essentially gone.
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed this account twice and requested validation not verification of this account. I just keep receiving a bill with my name and balanced owed. I have no knowledge of this account and requested my signature on documents that obligates me to pay the bill. I also requested delinquency date for this account as it has bee n RE  AGED several times without notice to me. Im requesting that they send me the requested information or delete the account from all  XXXX  credit bureaus immediatly.
Complaint sub-issue: Account information incorrect

I contacted XXXX XXXX as well as their collection agency XXXX. XXXX informed me that XXXX XXXX XXXX closed the account and are no longer attempting to collect on the debt. They were reporting the account as open to Equifax and that was recently disputed and resolved, however, they are reporting a past due amount and payment history which are both violations for a charged off account. I disputed this and they refused to correct the error. I attempted to contact them about the matter and they said that there was nothing that they could do and both collection companies kept giving me the run around. I am asking that this be deleted from my report as it as been reporting inaccurately for years now.
Complaint sub-issue: Reporting company used your report improperly

The CRA known as Equifax has been reporting unlawful information on my credit report. As of XXXX of this year ( 2022 ), they began reporting late monthly payments of {$510.00} on my XXXX XXXX XXXX account. I reached out to Equifax by mail to dispute these late payments on my account. Equifax concluded that their reporting was correct and verified, even though they did not have my written consent to to add these findings ( late payments ) to my credit report in the first place. Never did I sign an SSA-827 form that authorized either parties to assemble any documents/reports with my information. In this case I believe that Equifax was/is committing fraud according to 15 U.S. Code 1681b that states that Equifax needs my written consent to make or update any findings on my credit report.
Complaint sub-issue: Right to dispute notice not received

Collector did not respond to debt validation request
Complaint sub-issue: Charged too much interest

As you can see below, the autopay paid the minimum {$160.00} payment required to cover my 0 % balance. I paid {$45.00} to cover the new purchases that month ( totaling {$44.00} ). However, I was still charged interest from Citi.  They refunded the interest after I asked about it on the website chat, but this may be a systemic issue. 


Statement closed XX/XX/2018 Posted Total {$160.00} Date sort by descending Description sort by descending Amount sort by descending XX/XX/2018 MINIMUM INTEREST CHARGE {$0.00} XX/XX/2018 AUTOPAY ... AUTO-PMT {$160.00} XX/XX/2018 ONLINE PAYMENT, THANK YOU {$45.00} <various purchases, totaling $ XXXX End of activity Total activity Statement closed XX/XX/2018 {$160.00} {$160.00} Pending purchases {$0.00} {$0.00} Purchases {$44.00} {$44.00} Cash advances {$0.00} {$0.00} Payments/credits {$210.00} {$210.00} Fees/interest {$0.00} {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX account number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent
Complaint sub-issue: Their investigation did not fix an error on your report

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and XXXX
Complaint sub-issue: Public record information inaccurate

EQUIFAX 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: Investigation took more than 30 days

I sent letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Complaint sub-issue: Information belongs to someone else

Please be advised this is my First Written Request .The unverified items listed below remain on my credit report in violation of Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of FCRA you are required to promptly DELETE all information which can not be verified. 
ACCOUNTS : XXXX XXXX XXXX ( {$460.00} ) # XXXX & ( {$840.00} ) # XXXX, XXXX XXXX XXXX ( {$220.00} ) # XXXX, XXXX XXXX XXXX ( {$6200.00} ) # XXXX & ( {$220.00} ) # XXXX & ( {$150.00} ) # XXXX & ( {$150.00} ) # XXXX, XXXX XXXX XXXX ( {$380.00} ) # XXXX, XXXX XXXX XXXX XXXX  ( {$2200.00} ) # XXXX & ( {$1500.00} ) # XXXX, XXXX XXXX XXXX ( {$630.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$440.00} ) # XXXX, XXXX XXXX ( {$49.00} ) # XXXX, XXXX XXXX ( {$150.00} ) # XXXX, XXXX XXXX ( {$1600.00} ) # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX $ XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX & XX/XX/XXXX
Complaint sub-issue: Billing problem

Please reference existing complaint CFPB # XXXX submitted on XX/XX/2022 regarding this issue. 
Tesla has not responded to my complaint nor has it stopped demanding unjustified late fees. This complaint is regarding what appears to be retaliation and harassment for filing the CFPB complaint.

1. Tesla has begun texting me repeatedly, claiming that my account is past due when they are well aware that I have made a complaint regarding unjustified late fees and they have not resolved that complaint or even responded to it. I have received 8 such texts, and some emails, since XX/XX/2022. 
2. Tesla no longer mails me paper bills, and sends me emails that my invoice is " available on my Tesla app. '' I received such an email today and attempted to access the invoice on my Tesla app account as instructed. when I logged into the account and accessed the " financing '' tab where the invoices were previously shown as links to pdf files, the financing tab would not open and showed an error message telling me to try again. After several unsuccessful attempts, the " financing '' tab has now disappeared from the application when I open and log into my account. I no longer have a way to access my lease invoice, payment history, or account documents. 
I request that Tesla be ordered to provide me with timely copies of the invoices, payment history, and other lease document either by email, mail, or through a working application. i also request the relief for my original complaint including removing unreasonable late charges and accepting and processing mailed payments by check in a prompt manner.
Complaint sub-issue: Information belongs to someone else

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}
Complaint sub-issue: Funds not received from closed account

my account have been close since XXXX since then have not get my funds from them and i did get an email from them saying my funds have send back to sba i call sba and they did tell me they have not received any money yet i dont know what to do anymore because i have a loan with sba that as interest on it pls help me thank you
Complaint sub-issue: Transaction was not authorized

BB & T charged my small business ( XXXX XXXX XXXX ) a non compliance fee from XXXX XXXX. The fee was not clear and conspicuous on my statement. When this fee began in XX/XX/XXXX, the bank did not make it clear to me ( and probably many others ) that I was to do a compliance survey yearly. They never gave me a clear and obvious reminder each year to resubmit a new survey. They recently told me it was MY 100 % responsibility to submit the survey. They ( BB & T ) had no responsiblity to remind me. They were never proactive in nearly 10 years to ever give me a heads up or a courtesy notification that I had not done this survey. I just discovered that this item has been charged to me since XX/XX/XXXX. They stopped sending me paper statements in XX/XX/XXXX, because they started charging me to send them. They raised the non compliance fee on 4 occassions without full, clear, conspicuous, prior notification. I did the survey in XX/XX/XXXX when they made it clear it was required. If I had known I was receiving a penalty for not doing the compliance survey, I would have obviously done it. I know this has to hit other businesses like mine. I feel they don't want to give me a heads up, so they can collect the penalty fee. Also, in my appeal to the bank to forgive this penalty, that is completly unfair, they have been mostly difficult, sometimes rude, and non transparent. At this point today, they have been unwilling to give me the total penalty fee that has hit me for nearly 10 years. My online statements only allow for me to look back 18 months.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX account have 2 late payments reporting and I've never been late on any of my XXXX XXXX   accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.
Complaint sub-issue: Deposits and withdrawals

I opened an account online with Citi a few weeks ago at the beginning of XXXX. I had funded my account with XXXX mobile check deposits and an ACH bank transfer from another account. Citi unjustifiably deemed a perfectly fine checks as fraudulent and closed my account without adequate notice. The ACH transfer was supposedly sent back to my originating bank, but there is no supporting record of that, as the bank has refused to show supporting bank statement documentation of the return. I am still waiting to receive my money at either my new Citi account or my originating bank.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

To date, this is the third complaint I have had to file against Flagship Credit Acceptance for the SAME exact problems. They haven't addressed any concerns or come to a resolution on how to work with me on the account. 

I have had extreme hardship this year, due to the pandemic, such as having to have an operation which occurred in XXXX of XXXX, had the flu in XXXX of XXXX, had XXXX in XXXX of XXXX and recently just found out that I have to have another foot operation in XXXX of XXXX, because my last foot operation was unsuccessful. 

Since XXXX, and up to the date have talked to references on my application and given them personal confidential information containing to the debt on my account and have left voicemails on their phones about my debt with them. 

On XX/XX/XXXX, XXXX, of XXXX, after XXXX XXXX responded back to my previous complaint, I've reached out daily to try to resolve the account with her and no response back from her. During the course, of talking to other representatives, I have been threatened by them for repossession of the vehicle, however, I'm trying to reach the representative that responded back to the last complaint I filed, therefore we can reach a resolution. 

At this point, this Flagship Credit Acceptance lacks transparency on how they handle customer complaints. From representative to representative to representative the information given changes from one rep, to another. 

All I want is transparency from this company, instead of getting the run around and thrown to a different department that isn't handling the account.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.
Complaint sub-issue: Debt is not yours

Avante XXXX showed up on my credit report today. I called and the said it was for a medical debt in Kansas. At the time this debt was owed, I was not living in Kansas, so there is no way that the debt is owed by me.