Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I signed up for XXXX XXXX XXXX card and I always paid of my credit every month I had good credit history. I started off with XXXX and they went up to XXXX because I always paid on time. When they made the switch to Citi Bank they didnt notify me and I had credit that still had to be paid off on XXXX XXXX XX/XX/XXXX I didnt even know where to go I kept logging in on my XXXX XXXX but it wouldnt let me from XX/XX/XXXX till XX/XX/XXXX. Finally in XX/XX/XXXX I received a card and a late fee notice that they were going to go to collections with my debt. I tried multiple times to call back and forth and settle it with them from XX/XX/XXXX - XX/XX/XXXX. I made payments to try and catch up. I finally took out a loan from my bank to pay it off because I did not want to hear from them any more. I would make my payments on time and they still would call saying that I owed money. After paying off the card in XX/XX/XXXX they sent me a statement in XX/XX/XXXX for money I paid off. I called a representative and they erased it and apologized. I have been on it with my credit history before citi bank.
Complaint sub-issue: Fraudulent loan

I signed a document as the CO-SIGNER for a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. The borrower was denied credit. The dealer then put me as the principal borrower without notice. I received 7 credit denial before one credit company approved the loan and put me as the only borrower on the loan. 
I never received any documents from either the dealer or the lending company. 3 weeks ago, I sent them both a letter by certified mail requesting copies of the contracts for this transaction. 
All I received is a phone call from the general manager at the dealership saying that I did n't have to worry that it is normal in this situation that I became the principal borrower. I called the lending company asking for copies of that loan contract and they too said that they will send it to me and never did. 
I believe that FRAUD as been committed to make the sale no matter what. I never intended to be the principal borrower to purchase this vehicle and the dealer by refusing to give me copies of the contract for me to review where my signature appears and what THEY made it look like they had my approval to change the status of co-signer.
Complaint sub-issue: Reporting company used your report improperly

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive enough information to verify debt

I have not received an itemized bill of what theyre saying I owe. Also, AmeriFinancial Solutions is not licensed to collect in the state of Florida.
Complaint sub-issue: Problem with product or service terms changing

On XX/XX/XXXX, my job position was eliminated. I contacted LoanCare and informed them of my unexpected situation. I was given the option to apply for the Loan Forbearance program. On XX/XX/XXXX I received a notification from one of the credit bureaus informing me that my XXXX XXXX has dropped by XXXX points. When I logged into the credit bureau 's website it stated that they've received information from Loancare LLC, " mortgage balance increased by {$6700.00} from {$250000.00} to {$260000.00}. '' I immediately call Loancare customer service and after much research and speaking to a manager I was informed that the increase was due to shortage in my escrow account. The representative informed me that he was not able to see a change in my principal balance and was not sure why the credit bureau would report that. When asked why was I not connected or informed of the shortage and given the option to bring my escrow account up to current? I was informed that if I have not maybe a letter is in the mail system. The manager then instructed me to take a screenshot of the credit bureau 's report and email Loancare LLC customer service. On XX/XX/XXXX I received a letter stating that they didn't find any errors. Again in XX/XX/XXXX, a different credit bureau reported the same thing. I contacted Loancare LLC with a screenshot from now 2 out of 3 bureaus showing this information. On XX/XX/XXXX I received another letter stating that there were no errors found. I was advise to make a payment towards my escrow account until the end of my forbearance period.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Account status incorrect

I have written to XXXX several times as well as to XXXX  and Equifax pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX of XXXX, the CARES Act has given forbearance to millions of homeowners. I filled out and faxed in my mortgage forbearance form in XX/XX/XXXX, listed on the myloancare.com website, after getting laid off due to the COVID-19 pandemic. At the beginning of XX/XX/XXXX, I received a notification that LoanCare marked my account as 30 days late. I called and spoke with a representative that informed me that LoanCare had not yet processed my paperwork and assured me it would be resolved. I then received paperwork via mail telling me that my 90-day forbearance period had started in XXXX  and would be valid through XXXX. However, my XXXX payment was still reported as 30 days late. 

I called LoanCares customer service multiple times until I was finally connected with a supervisor who instructed me to send in my fax cover sheet, proving that I submitted the mortgage forbearance form in XXXX and that LoanCare would correct the report to show the correct forbearance start date. This process turned into a monthly task. My XXXX payment continued to be reported as 30 days late. I would call and speak with supervisors, each of whom instructed me to send in the fax cover sheet and follow their instructions. Yet every month, the account was still reported as 30 days late. By XXXX of XXXX, I was fed up and frustrated with LoanCares terrible customer service. Finally, a manager instructed me to make the XXXX payment which initially triggered the 30-day late reporting. He assured me that making the payment would stop the late reporting going forward. Following his advice, I ended up taking a loan from a family member to make the XX/XX/XXXX payment in XX/XX/XXXX. 

My second forbearance period was 180 days, from XXXX through XX/XX/XXXX. By the time I received my second forbearance, I had already made the original XX/XX/XXXX payment. Several LoanCare customer support supervisors I spoke with confirmed that since I had made the XX/XX/XXXX payment before the start of the second forbearance period in XXXX, my account would be considered current. Yet again, I continued to receive notifications that my account was reported as 30 days late. 

I had another forbearance through the end of XX/XX/XXXX, when I finally went back to work. I went back and made all the payments missed in XXXX and am now considered to be current on my loan payments. However, this hasnt solved the issue. This inaccurate reporting has destroyed my credit score and caused undue emotional stress. Multiply credit lines have been decreased to LoanCares reporting error. I am unable to refinance my loan due to this error, which has cost me thousands of dollars.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX EQUIFAX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Complaint sub-issue: Account status incorrect

RC Willey is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XX/XX/XXXX lates as a one time goodwill adjustment.
Complaint sub-issue: Account status incorrect

Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's.

The CRA 's show the account is closed in XXXX but XXXX XXXX reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.
Complaint sub-issue: Their investigation did not fix an error on your report

Wednesday, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Documentary material & the original signed consumer contract - any and all accounts you post on a credit report. Pursuant to 15 USC 5561 documentary material includes and IS NOT LIMITED TO, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

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. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Complaint sub-issue: Company closed your account

US Bank XXXX XXXX XXXX new checking and savings account for direct deposit from XXXX XXXX XXXX XXXX. {$5200.00} deposited XX/XX/XXXX. 

{$5000.00} cashiers check for rental deposit and XXXX rent was withdrawn and given to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX pm Deposit account ending in XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX am Withdrawal account ending in XXXX US Bank {$5000.00} " XXXX '' of the E-fraud department just shut my account and it not available to talk to me. XXXX XXXX will or can not give me any information about why my account was just suddenly shut down!!! 

My wife and I have been cyber and physically stalked by criminal synthetic identity ring for the last XXXX years egregiously. XXXX " XXXX XXXX XXXX is part of this ring that includes Armenians from XXXX XXXX, WA XXXX XXXX XXXX and XXXX, XXXX, XXXX, XXXX and XXXX XXXX. All of them involved in epic real estate fraud and property tax evasion. As well as XXXX and XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX and US Bank XXXX XXXX XXXX, WA. Massive fraud. 

US Bank just closed my account today XX/XX/XXXX from the E-fraud department without XXXX explanation. XXXX XXXX of the XXXX XXXX is corrupt as well. The criminals keep closing my bank accounts, XXXX as well, illegally by employees who work for the banks. Totally corrupt making it impossible for me to survive and pay bills and build my credit back from their synthetic cyber sabotage. 

XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX, CA Full Name : XXXX XXXX XXXX Known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Related to : 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 Associates : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Phones : ( XXXX ) XXXX Addreses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Ct, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, CA Sun XXXX, CA XXXX, CA XXXX XXXX, CA XXXX, CA XXXX XXXX XXXX, XXXX XXXX, CA XXXX Age : XXXX Occupation : Protective Service Occupations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX He is connected to the Delaware criminals that my spouse connected to XXXX XXXX from the XXXX XXXX XXXX, etc. She has connected him to the entire ring, we have sent all this information to XXXX XXXX and corrupt DOJ XXXX XXXX and FBI. My wife was gang XXXX, beaten, starved, tortured, burned held illegally for XXXX by XXXX for XXXX and uncovering this criminal ring that goes all the way up the ladder. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dignity Memorial, The XXXX XXXX XXXX, so many shell companies from Delaware  to Puerto Rico. All XXXX and verifiable. XXXX
Complaint sub-issue: Information belongs to someone else

To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX  XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.
Complaint sub-issue: Reporting company used your report improperly

IN REFERENCE TO Americollect XXXX XXXX : ACCOUNT XXXX XXXX as of XX/XX/2023, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!
Complaint sub-issue: Was not notified of investigation status or results

Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.
Complaint sub-issue: Can't close your account

After recently returning home from traveling, I got my mail only to find four different CashApp debit cards for accounts I did not open. As a result, I determined someone must have fraudulently opened the accounts through CashApp in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to CashApp, but as of yet have not been able to get a written confirmation from their support teams that all four fraudulent accounts have been closed.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus that I am complaining about have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! I want them to cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete the public record from my consumer report and all their systems. Why are these public record still on my consumer reports when they are unverifiable and I have sent proof that they are unverifiable? 

Public Record - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY CLAIMED THAT THIS INFORMATION WAS PROVIDED FROM XXXX XXXX, XXXX OR THE BANKRUPTCY COURTS BUT I HAVE PROVEN THAT IS NOT TRUE. I HAVE ATTACHED THE LETTER I RECEIVED FROM THE COURT THAT SHOWS THE COURT DOES NOT VERIFY PUBLIC RECORDS AND THE LETTER FROM XXXX XXXX THAT SHOWS THEY HAVE DELETED THESE PUBLIC RECORDS FROM MY CONSUMER REPORT DUE TO NOT BEING ABLE TO VERIFY THE ACCOUNT WITH PACER OR THE COURTS. I HAVE ATTACHED THIS LETTER AS WELL. THIS SHOWS PROOF AND YOU MUST FOLLOW SUIT SINCE THESE LOCATIONS ARE WHERE YOU CLAIMED THIS IS WHERE THE INFORMATION CAME FROM AND PERMANENTLY DELTE THIS BANKRUPTCY FROM MY CREDIT REPORT. 
My inquiry to the U. S. Bankruptcy Courts confirmed THEY HAVE NEVER VERIFIED THIS PUBLIC RECORD, or verified this public record entry on my credit report, neither will they ever be by them. XXXX XXXX NEVER VERIFIED THIS WITH THE COURTS OR WITH PACER. The US Bankruptcy Court further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currentlyshowing under my social security number to be PERMANENTLY DELETED from my consumer reports immediately. 

They need to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number.

They have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 
Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these public records from my consumer report and all your systems. 

I have attached all of the proof I have that they are violating my rights. The letter from XXXX XXXX and the courts along with my dispute.
Complaint sub-issue: Personal information incorrect

Tried to get old address removed in lieu of recent issue with an address that wasnt mine. Would only like to have current address showing on XXXX, Equifax, credit report. Please remove all former addresses.
Complaint sub-issue: Information belongs to someone else

Hello, I found out the accounts that do not belong to my activity. I checked them and realized that they are not mine. I do not recognize them and this is identity theft. I am shocked by this reality and I would like to ask you to remove them from my profile. I am a young expert and I do not want these fraud accounts ruining my life.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.