Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Bank is reporting a charged-off account to the credit bureaus that I was never a responsible party on. I was only an Authorized User and not responsible for the account.
Complaint sub-issue: Their investigation did not fix an error on your report

Last XX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX credit karma I will spend account with them they put a freeze on my account in four hours previously that day I used my card and paid for something over {$100.00} therefore now my account is froze and nobody will give me an option you can not hold somebodys funds without telling them its illegal I need help to get my money this is where my paycheck goes like this where I pay my bills and I emailed called about 25 times no resolution to whats going on they can not tell me whats going on or why they froze my account without my knowledge or knowing its illegal and I need help please
Complaint sub-issue: Account status incorrect

There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.
Complaint sub-issue: Information belongs to someone else

Equifax will not remove fraudulent hard inquires on my credit report despite me disputing multiple times. I have mailed in the requested documents ( letter, ID, police report, FTC report ) on 4 separate occasions, including a fax. They continue to tell me they have not received my documents and that I need to mail them again. I have delivery confirmation and fax received confirmation. I have been given run around for months and have been lied to by multiple representatives of the company.
Complaint sub-issue: Debt was paid

I took my son to the emergency room with XXXX XXXX XX/XX/XXXX. My son is double insured with XXXX and Medicaid. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called NAR thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since Medicaid did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to XXXX XXXX attorney for a lawsuit. After doing some research and calling Medicaid and the original debt owner I found that the bill was paid by Medicaid within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from Medicaid showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not have a relationship with these creditors
Complaint sub-issue: Information belongs to someone else

I already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.
Complaint sub-issue: Investigation took more than 30 days

PNC Bank purchased my mortgage from XXXX on XX/XX/XXXX. 
PNC Bank refuses to report my payments ( XXXX XXXX ) to the credit bureaus because I had a bankrupty XX/XX/XXXX. 
I reaffirmed my mortgage and have never been late with any lenders. 

I have been trying to reach my attorney by email and phone but no answers. 
XXXX XXXX XXXX XXXX XXXX )
Complaint sub-issue: Sent card you never applied for

XX/XX/2022, Coinbase sent me a Visa debit card. I have never created an account with Coinbase. 
Immediately, I tried to contact Coinbase support, but their system blocked me from speaking to anyone because I have no account with them.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

ERC is still attempting to collect a debt on behalf of XXXX and there still reporting on my credit that I still owe them {$1200.00} ERC stated I disputed the debit as a consumer which I did and they said it meets FCRA requirements however according to the FDCPA Laws they have to stop all collection activity and attempting to collect the debit since I filed CH XXXX BK ... .They still have continued to report on the credit report even though there going to receive {$0.00} from the BK ... 

Also Prior to filing BK ERC broke FDCPA Laws by calling me at XXXX XXXX on XX/XX/2018 from there phone number ( XXXX ) XXXX ... I reported this to ERC and they did not say anything .... ERC still engaged in illegal activity by calling me before XXXX XXXX which they knew it was a violation of the Law ...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/XXXX I saw on my credit report that there where a variety of no inquires that i didnt authorize at all and i want them removed
Complaint sub-issue: Information belongs to someone else

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, USDOE/XXXX DPT ED/XXXX, XXXX XXXX XXXX. US DEP ED. There are also inquires that not mineXXXX XXXX XXXX XXXX XXXX/XXXX   XXXXF XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX DEPT OF ED.
Complaint sub-issue: Account status incorrect

I never closed my account with XXXX XXXX I told them to stop sending me catalogs and pre credit limits. They send it then I can't use it. I never closed any accountd
Complaint sub-issue: Account information incorrect

Reporting of false information about my payment history to XXXX  and other credit agencies. They report a payment default status starting XX/XX/2018 and XX/XX/2018 this is false. The account has never been paid late. I have contacted this company several times to resolve. They are deliberately damaging my credit rating. Requesting removal of false negative credit reporting to XXXX  and all other credit agencies.

In addition this account is not " Included In a Wage Earner Plan '' chapter XXXX bankruptcy payment plan, this is false reporting.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2019, I attended a concert and was picked up by a cab driver. The cab driver said that the price would be reasonable. We traveled for a short distance, and when I asked the cab driver how much it would be, he said XXXX dollars. I told him to charge me XXXX dollars, to include a XXXX dollar tip. I paid by debit, but did not sign anything, enter my pin, or get a receipt. Two days later I saw the cab driver had charged me XXXX dollars. I called CitiBank immediately to dispute the fraudulent charges of XXXX dollars ( XXXX less the agreed-upon XXXX dollars ). They told me to fax the details to them. I did. 

They sent me a follow-up letter asking for more details. I sent my reply by mail. I also called them a number of times asking about the status. They then sent a letter saying that they had not received a response. I sent them the details by letter again, as the fax number they provided gave me a busy message repeatedly. I called CitiBank directly and told them the details of my response over the phone and they noted it. They then sent me a letter saying they had sided with the merchant due to a lack of response on my part and closed the dispute. I appealed it, and they sent another letter ( received on XX/XX/2019 ) saying it had been too long from their original request for information from me. 

It was not possible to get in contact with them in a fashion to resolve this dispute, and they did not take note of the letters I sent to their address they provided. I am very disappointed by this. I have attached the original communication I sent to CitiBank below with all of the relevant details.
Complaint sub-issue: Debt is not yours

Enhanced Recovery is attempting to collect on a Debt, that I never received a letter from Enhanced Recovery regarding any information about the debt that they never validated the debt and are illegally reporting. There has been no written correspondence to me regarding this Debt from Enhances Recovery. The original owner of the Debt is XXXX XXXX. Enhance Recovery does not have a contract baring my signature with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX on XXXX XXXX  on XXXX and XXXX XXXX
Complaint sub-issue: Debt is not yours

AFNI is claiming that I owe them {$69.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX  isnt following the law.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I requested Equifax to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Equifax failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : 1. XX/XX/XXXX - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. 

Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.
Complaint sub-issue: Debt is not yours

An unverified account was reported to my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Complaint sub-issue: Can't temporarily delay making payments

On XX/XX/XXXX I mailed a letter to Great Lakes stating that I can not afford payments of {$130.00} due to my current financial hardship. I told them I could only afford to pay at least {$75.00}. They responded back with a letter stating that they are unable to make any changes to my account and that I have to stay with my payments of {$130.00}. I then filed a compliant with them and I was told the same information that I have to keep my monthly payments at {$130.00}. On XX/XX/XXXX I mailed them a letter stating that my financial situation has not improved and that I need to stop my payments until I can afford them, which will be in the next year or too. I am trying my best to communicate with Great Lakes but they are no help to my financial situation at all.
Complaint sub-issue: Account status incorrect

Per my complaint # XXXX XXXX XXXX has agreed to REMOVE a paid collection with XXXX XXXX  XXXXrom my XXXX and Equifax credit reports entirely. I will attach their letter to this complaint which is dated XX/XX/2022. I am asking for XXXX and Equifax to handle immediately as this is damaging my credit and I have been trying to get resolved now since XX/XX/2022.
Complaint sub-issue: Overdrafts and overdraft fees

Lost my debit card and it was used for several small purchases from vending machines where I live none of which exceeded {$2.00}. I phoned them and they refused to reverse the charge saying they had reversed an overdraft charge before. I am old and living on Social Security and can not afford this XXXX XXXX XXXX
Complaint sub-issue: Other problem

Approximately 4 years ago in an attempt to stop paying so much interest, I made an agreement to pay off my citi preferred credit card balance by paying a set amount until it was paid off-0 % interest. A little over a year ago I called and asked if they would lower my payment. I was advised my payment could be lowered and that it meant the total that I owed wouldnt be paid in the original time that was set-not that there was a problem with that. Now, a year later they are calling me to let me know the balance will be due in full at the end of XX/XX/2019. When I made the agreement to lower my payment it was my understanding that they were agreeing to the lower amount until the debt was paid in full. Not, we agree to let you make lower payments and then surprise you will still owe us the full amount in the same time as the initial agreement. What sense does it make to agree to lower someones payment knowing in the end that they will still owe the same amount in the same amount of time? How does that possibly help your customer? Beware.
Complaint sub-issue: Public record information inaccurate

Late in 2014, I took out a loan with XXXX. After making several payments I learned that this company was not licensed in my state to make loans or charge the usurious interest rates they were charging me. I contacted them to stop taking money out of my account, but they attempted 1 last time, and then I attempted to reach a settlement with them based on the original XXXX I borrowed, minus the XXXX I paid, minus the NSF fee incurred by them attempting to debit my checking account 1 last time after I gave them proper notice to stop. I have attached the e-mail chain from my last correspondence with XXXX cash. 

My e-mail went unanswered and I never thought about these crooks again until I was notified last week that a collection account was placed on at least 2 of my credit reports by a company named XXXX XXXX XXXX. When I contacted them they said they bought the debt from another debt collection company that bought it from XXXX. Because XXXX had no legal recourse to collect on the loan, they left me alone but then sold the debt to at least 2 other companies to attempt to illegally collect on the loan. 

I want XXXX XXXX  to lose all of my contact information, stop selling a debt that can't be collected on, and notify every collection agency they sold it to to leave me alone and remove any negative information from my credit report. The next step is a lawsuit.
Complaint sub-issue: Problem with personal statement of dispute

Whom this may concern I have been writing, calling and crying about these so called late payments! I keep getting letters saying that its not my sending these request. I have sent my passport. my id, XXXX bill and my ssn card at this point someone can take my identity. I have asked all of the bureau 's and the department of education to provide proof of me ever being late. Please remove all late payments and change the payment status to current because of the Cares Act for my prior request has falling on death ear and this is a violation that no one seems to care about but me ...
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Debt was result of identity theft

This is not my debt. I was a victim of identity theft
Complaint sub-issue: Account status incorrect

I'm buying a house and the mortgage company " XXXX XXXX XXXX  '' gave us the loan, this was in XX/XX/XXXX. Last year in XX/XX/XXXX I made my last payment to XXXX XXXX XXXX, they sold the loan to XXXX XXXX XXXX XXXX XXXX. I made my first payment to XXXX on XX/XX/XXXX and have done so to date. Equifax is showing that I have two Mortgages. I have disputed this three times so far this year with no results. I just received an email from Equifax saying the dispute has been completed. I can't access the website to confirm, just like the last two times.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy 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: Account information incorrect

Hi. I paid for my credit report initially on XX/XX//2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of XXXX XXXX XXXX with the account number XXXX. They are reflecting a balance of {$180.00} on Equifax and a balance of {$260.00} on Equifax and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you
Complaint sub-issue: Didn't receive terms that were advertised

Opened Bank account with {$15000.00} in funding split between Savings and Checking for {$400.00} bonus as seen here. 

XXXX XXXX XXXX XXXX XXXX XXXX Account was opened on XX/XX/XXXX.  Bonus terms said money had to be in account for 60 days. No bonus was posted after. Contacted Citi multiple times and still no resolution
Complaint sub-issue: Received bad information about your loan

I am a 16 year XXXX XXXX Veteran. I completed my XXXX XXXX while serving XXXX XXXX. I had XXXX subsidized and unsubsidized Stafford loans consolidated. South Carolina XXXX XXXX XXXX XXXX duplicated my loan amounts when I consolidated. My balance is double what I should owe. 

Deployments, moves, and life has happened over the years. I sent in a audit letter in XXXX, contacted them XXXX XXXXXXXX. I provided them with copies of my military orders ( XXXX Act, loan rate should have been decreased ). I placed the loan in forbearance, allowing them time to fix the issue. In XXXX I was notified that my account was given to the current holder XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Account .... 
Phone calls and letters to the Loan provider has not resolved this issue. Looking to gain your assistance to get my loan balance corrected, and lower interest back dated.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.