Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I have a XXXX XXXX lease from VWCredit bought in XXXX, California. My lease ended XXXX XXXX, XXXX. With my lease i had bought excess wear and tear protection for ( XXXX $ ) which covers damages upto XXXX . 

Fast forward ( during XXXX to XXXX ) : we had multiple incidents on our right side of the car in our XXXX XXXX XXXX parking lot. Next year : we moved to XXXX, WA and as the lease was getting over i had a series of questions with the VW credit folks. 

1 ] I was confirmed by 2-3 reps multiple times that my damages will be covered as the lease return pre-inspection report confirmed damage repairs of XXXX . This was also confirmed by the 3rd party  Pre-Inspection. I had clearly mentioned that i would like to keep the car incase the wear and tear protection does not apply to the car but i was confirmed that this will not be the case. 
2 ] Reps at VW dealership in XXXX ( XXXX 's XXXX of XXXX ) XXXX XXXX XXXX also confirmed that the damages will be covered by the wear and tear protection and you are safe to leave the car 3 ] When i got my first bill from VW after i returned the car, it came with XXXX $ bill and they missed applying wear and tear protection 4 ] Upon asking, they confirmed it missing so they send it to their wear tear protection department and after 20 days, i got another bill which reduced the bill by XXXX+ XXXX This got the bill to XXXX $ upon inquiring why the full was not covered : they confirmed that the 3rd party who looks into wear and tear feels like this was a one incident and hence will not cover full damage. 

It took me 3-4 phone calls to again check on the status and provided good amount of reasoning why the assumption of single incident was flawed and why the damages took multiple incidents but its still not working out. 

The rep offered me good will discount of another XXXX+ $ and pro-rated plan to pay XXXX $ a month. ( this was so nice of him ) But i think they are missing the commitment to resolve customer issue. 

I would love to get help on this and challenge the assumption that the damages were done in single incident as opposed to multiple one.  They confirmed if that's proved, the charges will be XXXX. The assumption is clearly flawed as a ) there is no symmetry on the damage on both the front and back sides b ) the damage in the center area near the doors has far greater intensity than any other areas, clearly suggesting that there were multiple occurrences. I am happy to send snapshots of the parking place where this happened more than 1.5-2 years back. 

Thanks for looking into this matter. Hoping to get your help to resolve this. 

Attaching photos front side, middle and back side as well as the parking lot area where the incident happened.
Complaint sub-issue: Other problem getting your report or credit score

My credit report score has not changed in over XXXX months and I would also like some incorrect information on my credit report deleted. I am willing to file for litigation if this insurance is not corrected
Complaint sub-issue: Reporting company used your report improperly

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX claiming a balance {$4200.00}. 
I was surprised to see this on my credit report cause i never had any business credit card or other with this bank. this matter decrease considerable my credit card payments. Talk to this company a few times about this problem they say they own an other company ( XXXX credit card ) a company was closed and disappear for more than 1 year without any notice or alerts. During their one year closed it detrimental for my business i can not using this card cause was closed with all available credit and can not pay the balance monthly cause no app or address for check or pay using any office or online pay by phone. everything was out of service for 1 year sin any proper investigation. 

XXXX XXXX XXXXXXXX XXXX {$310.00} i had a credit card with XXXX credit limit was {$250.00} i had a balance {$140.00} them a {$110.00} available credit when i try to pay my monthly no app wen to a XXXX shop machine they say the machine can not recognize the card got an customer service XXXX  employee the said they going to sent me a new card never get the newer card and after 2 month this company call me and dispute a few time and the put a negative for {$310.00}
Complaint sub-issue: Personal information

I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now and Oh my gosh! Equifax Information Services has been reporting negative inaccurate information in my credit file. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. I 've been disputing with this company for over 6 months to get this information removed and they refuse. I have asked them to remove any name that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing Equifax as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. I have filed this complaint with hopes of Equifax actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and Companies on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately. Not cool.
Complaint sub-issue: Information is not mine

XXXX of the addresses it stated I lived in MD. I have never lived at that address.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2018, I disputed an account through XXXX XXXX from a collection agency called Pro-Collect. I have no knowledge of that account my XXXX, XXXX XXXX XXXX  credit reports. Less than a month later, XXXX XXXX notified me that the account was closed and marked as derogatory on my XXXX report but the information for the same account on my XXXX and XXXX reports are still open with negative remarks.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX, Equifax and XXXX to dispute several things on my credit report that are fraud. Ive also filed a report about my identity being stolen and they still wouldnt help. They refuse to remove these fraudulent accounts from my credit profile. 
The accounts are listed below XXXX XXXX for {$2600.00} XXXX XXXX For {$850.00} XXXX XXXX for {$450.00} XXXX XXXX for {$2700.00} XXXX XXXX  for {$730.00} None of these accounts are mine and the credit bureaus have been no help in getting them removed. I have repeatedly disputed them and nothing has happened.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made 3 attempts to receive documentation pertaining to the investigation that XXXX   conducted as part of their practice to investigate and validate any collection reporting on my credit. XXXX has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding XXXX XXXXo provide me with and yet XXXX has failed to provide with with such proof. XXXX has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with Equifax, but they came back saying XXXX XXXX XXXX / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

In XXXX and XXXX XXXX, the following accounts were deleted from all 3 credit bureaus : XXXX XXXX in the amount of {$64.00} -XXXX XXXX XXXX in the amount of {$440.00} In XXXX of XXXX and XXXX XXXX both accounts were reinserted back onto my credit report. According to the fair credit reporting law we are supposed to be notified before reinsertion of any deleted accounts on a consumers credit report. I did not receive any reinsertion notification about either of these accounts. Here is the law below : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material : Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a  consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Complaint sub-issue: Trouble with how payments are being handled

I contacted Mohela on XX/XX/XXXX to complain and get this corrected : Mohela is applying my employer contribution of XXXX to the interest. 
They apparently started doing this in XX/XX/XXXX. I just noticed. 
They stated they sent an email out and said I could not change it. 
They said it is now a 'policy ' if the payment is not made on the exact same date as my payment, it will now go to interest and there is nothing I can do about it. 
They know that this is not possible to line up all employer contributions to go on the same day as the payment. Besides the fact that I am XXXX XXXX XXXX and have $ XXXX in student loans that I am trying to pay back, this small contribution that my employer makes on my behalf should be applied to the principal as was the intention when this program was initiated. I think it is a complete scam that they 'changed " their policy. This contribution was to ease the burden of the student loans.
Complaint sub-issue: Account terms

On Thursday, XXXX XXXX, XXXX, I was offered by XXXX XXXX, on behalf of XXXX XXXX XXXX, the ability to pay off the remaining balance of the account with XXXX payments of {$710.00} on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Once it was paid I began to dispute the remaining balance on my credit report, which showed as still owing over {$3000.00}. When I received my Paid in Full, Resolved letter from XXXX XXXX on XXXX XXXX, XXXX, I submitted that to Equifax and XXXX online ( XXXX I am required to mail in the information ). XXXX has changed the balance to {$0.00}, but Equifax refuses to acknowledge that the balance is now {$0.00} as agreed upon with XXXX XXXX XXXX and XXXX XXXX. This continues to negatively affect my credit score and my ability to receive any credit in the future, and it is wrong for them to continually report that I have a balance when, in fact, I do not, and it was paid off six months ago. 

Additionally, they are reporting XXXX credit card balance TWICE on my credit report, and even though I have disputed that as incorrect numerous times, they refuse to modify my credit report to show the remaining balance once.
Complaint sub-issue: Trouble with how payments are being handled

We had set up an auto pay program with Great Lakes as early as XX/XX/XXXX for our daughters student loans. There were not any problems until our daughter decided to take graduate classes at XXXX. Without our knowledge XXXX sent out a notice that our daughter was back in school. Great Lakes without our knowledge or consent put our daughters account into deferment and changed our auto pay to {$0.00} essentially canceling the payment. This was done on XX/XX/XXXX. We did not notice the XX/XX/XXXX first payment was not made until XX/XX/XXXX. When we called Great Lakes we were told that students were automatically put into deferment when they went back to school. We told the representative we did n't want to be in deferment, and we wanted the auto pay to start back up. She said we could go online and reset auto pay. 
I set up auto pay for {$250.00} to come out on XX/XX/XXXX.  On the evening of XX/XX/XXXX we noticed the payment had not come out of our checking account. When I logged into our daughters account I saw where Great Lakes changed the auto pay account again. They changed the payment date to XX/XX/XXXX and changed the amount to {$210.00}. I also saw that they charged capitalized interest of {$38.00}. Also by changing my pay date from XX/XX/XXXX to XX/XX/XXXX they are trying to accrue more interest on the account. When I tried to resolve the issue with Great Lakes. When I tried to resolve the issue Great Lakes refused to take responsibility for setting up their computer program this way. If this happened to us, how many other people are the scamming? Is it legal to put someone into deferment without their consent? Am I financially responsible for them putting our daughter into deferment without consent and essentially stopping my auto pay causing interest to accrue and capitalize? Please help.
Complaint sub-issue: Problem using a debit or ATM card

Today alone I spoke with 9 Citibank staff who refused to take Fraud. XXXX hung up on me after 2.5 hours of this. Attached is cost if hotel given to XXXX, branch manager 2 months ago. I have gone on 7 times and saw XXXX, personal banker-this was 1st time notified of this. Attached is cost that XXXX, branch manager was supposed to send to fraud Dept.  But did not. Proof of cost attached.
Complaint sub-issue: Debt is not mine

We have received communications from a debt sold by XXXX XXXX. We disputed the accuracy of the debt several times directly with XXXX XXXX and they refused to correct the matter because we were no longer a client of theirs. 

They were billing us for services not used because they stated that it is their internal policy to bill their consumers for a complete month of service and not pro-rate their bill if they left the service. 

We had no contract and were not under any requirement to maintain service with XXXX. We do not feel that we are subject to their internal policies nor should they be permitted to charge us for services after our service was terminated. 

The main issue is them billing us for a full months of service after our service was terminated and we were not able to use it any longer. We were a customer of XXXX XXXX for more than XXXX years and left because they continued to raise their prices and were no longer competitive in the marketplace. We were never late, and called and gave them the option to retain our business and reduce our rates to be competitive. 

The associate handling our request told us that we should just go to the competitor because they were not willing to compete. 

XXXX assessed an ETF on XXXX of the lines even though we contacted them to cancel and advised them that we were cancelling without penalty due to a recent rate change. We received notification that we had the right to cancel without ETF if we notified them that we didnt agree with a recent increase.
Complaint sub-issue: Reporting company used your report improperly

N accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX Account Number:XXXX****, XXXX  XXXX  Account NumberXXXX, XXXX XXXX IN Account Number:1609****, XXXX XXXX Account NumberXXXX, XXXX/XXXX  Account Number:XXXX****, XXXX XXXX  Account NumberXXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a 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: Was not notified of investigation status or results

On XX/XX/2021 I sent Equifax a letter asking them to reinvestigate a total of 15 accounts that appeared on my credit report. Not only have they still not responded to that letter, but I also sent in a letter notifying them that they failed to respond to my original request in the allotted responding time on XX/XX/2021. The biggest issue came in the form of them not sending me an updated copy of my credit report, and one of the companies I asked to be investigated reached out to me and sent me a bill. This is a violation of my rights under the FCRA.
Complaint sub-issue: Reporting company used your report improperly

Re : Equifax Cybersecurity Failure Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Information is not mine

Basically, my sister and I have the same initials, grew up in the same home, have similar SSN but we have a HUGE age gap between us. for YEARS I have been having her items show up on my credit report. It started XXXX of 1994 according to Equifax. No one will help me. now I can not even qualify for a home loan because her MORTGAGE shows on my credit report. She has over XXXX debt in my SSN and I can not get it removed. This is so disheartening.