Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I was double charged for payment on an acct with Conns furniture in XXXX 2015 on an account I had established autopay on back since XXXX 2015. I called them and advised they took 2 payments ttl XXXX one on XX/XX/XXXX and XX/XX/XXXX from my checking acct and caused overdrafts to my acct when my payment is XXXX. The initial call garnered an apology and a refund for one of the XXXX payments. Since then I have been called a ttl of 6 times since XXXX XXXX after I repeatedly told the collector calling me I do not have any past due payments and my account has been set up on auto pay since early this year. I have even made 5 calls myself to them to clarify the issue with no resolve. being promised on 3 occasions I would not be called again only to be called multiple times a day.
Complaint sub-issue: Attempted to collect wrong amount

Collection Agency refused to remove debt from credt file after amount that was reported was paid off.
Complaint sub-issue: Trouble with how payments are handled

I had a sixty day late notice from Discover student loans on my credit history. I have tried to understand how this happened and have come to believe I have been the victim of entrapment by them. I only want the late notice removed from my account. 
I have already complained and their response was dismissive and had questionable statements. 
I will attach a document detailing this complaint and my interactions with Discover student loans.
Complaint sub-issue: Information belongs to someone else

remove : fcra violations : remove it XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$590.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Account charged off/Never late. {$34000.00} written off. {$34000.00} past due as of XX/XX/XXXX. 

not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Debt was paid

Back in XXXX of 2014 I started to receive threatening phone calls demanding payment of this debt or that legal action would be taken against me. There were XXXX companies representing XXXX separate payday loan groups. The first was XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX. On XXXX XXXX 2014 I paid a total amount XXXX from my XXXX XXXX XXXX account. I have an email with an attached document stating that the debt has been settled/paid in full. The XXXX group was XXXX XXXX XXXX XXXX who claimed to be representing XXXX XXXX XXXX which I paid XXXX on XXXX XXXX 2014. I have also received a paid in full document from this company as well stating that the debt has been resolved. This may I received a call from Tier1 Asset Management Group LLC who miss represented who and what the were collecting. At first I was told that they were collecting a debt for XXXX in the amount of XXXX. When I called and spoke to a supervisor by the name of XXXX XXXX who admitted that they had made some mistakes on their end and disclosed that what they were collecting was for XXXX payday loans in the amount of XXXX each. XXXX loan was for the XXXX group and the other loan is for the XXXX XXXX. Which have both been previously paid. I had previously set up payment arrangements with Tier1 under the understanding I was paying off my debt with XXXX in the amount of XXXX.
Complaint sub-issue: Information belongs to someone else

I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter to the credit Bureaus regarding inaccurate and unknown information reporting on my consumer report. I am deeply frustrated at this point because its been over 60 days and I feel like I am being ignored and taking advantage of without fair investigation to ensure I have 100 % accuracy of information reporting on my consumer report. They're in violation of FCRA, I have not signed a contract or written agreement giving permission to credit reporting agencies to furnish any data to anyone which is infringing on my right to privacy. I demand these accounts to be removed immediately. 

The Fair Credit Reporting Act, 15 U.S.C. 1681a sec.604a Any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates.
Complaint sub-issue: Banking errors

Opened a Citi account with promotion code XXXX, for {$400.00} bonus.Deposit of {$5000.00} in checking and {$10000.00} in savings on XX/XX/XXXX18.Maintained for 60 days which would be XX/XX/XXXX18. Then an additional 90 days for bonus to post per terms of agreement which would be XX/XX/XXXX18 at the absolute latest. All requirements are met. {$15000.00} still in open accounts so it is open and active but Citi has not posted my bonus. It is nearly a month past the absolute latest that Citi promised to post my bonus.
Complaint sub-issue: Report improperly shared by CRC

I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX ( FDC ). I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX DEALER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.
Complaint sub-issue: Investigation took more than 30 days

Equifax Information Services has failed to dispute inaccurate information contained in my credit report. Equifax is simply sends me letters stating. " we have received your dispute, and have reviewed it. '' Equifax is intentionally neglecting to comply with more than 19 disputes over a 90 day period. Equifax is stating an item was verified, however following up on that dispute directly, no CDV was ever sent by Equifax. Online disputes are not being submitted and a standard letter is being mailed out. Unaccecptable.
Complaint sub-issue: Banking errors

Citibank has failed to pay a promised bonus ( {$400.00} ) for opening a checking account. 

XXXX - Opened checking account XXXX - Made final deposit required to reach the {$15000.00} minimum account balance to receive the bonus. 
XXXX - 60 day threshold passes ; Citi then had 90 days to deposit the bonus in accordance with the terms XXXX - Citi sends a letter ( attached ) confirming that I have met the requirements of the terms XXXX - 90 day threshold passes. Citi has not paid the bonus. 

Attempts since to get Citi to honor their end of the agreement have failed.
Complaint sub-issue: Reporting company used your report improperly

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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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  ( Original Creditor : 08 XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding
Complaint sub-issue: Information belongs to someone else

Hi, Around XXXX - XXXX of 2016 i fell victim to identity theft and my information was used to illegally apply for a loan from this company.This company allowed a fraudulent account to be opened in my name without my permission. 
I have been trying to reach them at the addresses listed on my credit report through certified dispute letters to get this cleared up for years to no avail. I also disputed the account with the 3 major credit bureaus only for them to respond to the bureau that the is " Valid and Verified '' while the company has not attempted to respond to any of my mails or try to fix this issue. I have suffered losses with this account reporting falsely on my credit. I had never heard of this company until they started reporting on my credit. All I want is them to remove this false data on my credit. 

This company is facilitating criminals in stealing identities and opening false accounts and allowing fake electronic signatures which basically waive your rights and enters you into some Arbitration Agreement. 

Company name : FLURISH INC DBA LENDUP XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a certified letter to Equifax providing proper documentation from the courts stating that they do not verify bankruptcy. They responded back stating that they verified my bankruptcy with XXXX XXXX with is incorrect because I have documentation from XXXX XXXX that states they removed the bankruptcy off my report.
Complaint sub-issue: Account status

This account was removed from my credt report and not dispalying history and limit, which effects my credit score. 

XXXX XXXX XXXX Account Number XXXX
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXXXXX 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: Was not notified of investigation status or results

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report. On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days 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 gotten into the hands of the wrong person.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Equifax recently was part of a cyber attack in which millions of people 's information was compromised. Only way to figure out if you were compromised is to visit a equifax website in which they try to sell you fraud protection. Should n't have to pay them for fraud protection when my information was compromised due to their security and no fault of my own.
Complaint sub-issue: Account information incorrect

IC System XXXX Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report. 


REMOVE THIS ITEM IMMEDIATELY
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

XXXX XXXX FXXXX insurance was placed against an SBA loan unknowingly to the borrower. The lender, US Bank, took an additional XXXX dollars of flood insurance before the borrower was able to get it stopped. The lender required us to get flood insurance totaling XXXX XXXX dollars against a loan that had a balance of {$88000.00}. We feel that money is owed to us as we had borrow provided insurance in place and supplied proof of it which was acknowledged by the lender, even though they continued to try and take more money from us for their forced placed flood insurance. The documents I will provide show an accurate detailed timeline of events, as well as all of the documents the bank provided us.
Complaint sub-issue: Transaction was not authorized

My Albert Corporation ( XXXX ) checking account/debit card was drained by XXXX unauthorized transactions at XXXX ( $ XXXX + {$25.00}, totally {$400.00} ) on XXXX. I've contacted the company continuously since then ( XXXX - XX/XX/20 ) and they refused to identify these transactions as a fraud after XXXX rounds of investigations. Please step in and help me to uphold my legal rights against this shady company!
Complaint sub-issue: Problem with fees

I have a {$300.00} credit card from total Visa, This is my 3rd complaint about late charges, On XX/XX/2021, I was charged a late fee of, XXXX dollars. I only had a balance of XXXX. Now it's XXXX.
Complaint sub-issue: Inadequate help over the phone

Have continued to dispute that the following inquiries we not authorized by me.
Complaint sub-issue: Information belongs to someone else

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

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

XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Deposits and withdrawals

My Citibank checking account was involved in fraudulent activity in XXXX I received a check for {$2500.00} which I deposited right after that a XXXX transfer was made for {$2000.00} leaving my account with {$500.00} and {$600.00} I had for my rent. The bank debited the fraudulent check for the of {$2500.00} and now this account is negative. I contracted them for about 2-3 weeks about this they stated that the check was fraudulent but couldnt prove the XXXX was and that was that and that in 60 days I would be sent to collection for it. Now Citibank has started to garnish my other checking account I have with them that is not linked to the other one and when I reached out to them to today XXXX one representative told me it shouldnt have happened they can have it reversed and the other rep told me that I cant have my money back. So I am stuck and defeated.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over XXXX days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within XXXX days gives a reason to quickly remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Other problem getting your report or credit score

My credit is frozen with Equifax and when I attempt to unfreeze my credit they require me to mail them all the documents required to steal my identity to a single and known point of failure. 

I asked and they will not allow me to fax them the documents or email them the documents. 

I refuse to place copies of my Social Security Card, Birth Certificate,  and a bill with my name and address on it into an envelope and mail them to Equifax, particularly to an address where it is known such pieces of mail go to, making it a target for identity thieves.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}
Complaint sub-issue: Not given enough info to verify debt

Received a debt notice XXXX/XXXX/15 for a medical service rendered over 5 years ago. This is the XXXX notice of any debt related to unpaid claims. Deadline of XXXX/XXXX/15 to pay or be reported to credit bureau. Requested proof of the debt. They said they will mail it to me but I wo n't receive it by their deadline. This situation seems like a scam. I called XXXX and was treated rudely each time.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX. Please remove the following numbers : 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 The following account is not mines : XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to Equifax to remove the account, along with the letter from XXXX XXXX stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

When I received my credit report - Equifax decided to not only NOT remove the account, but ADD ANOTHER account for a different amount from the same creditor. 

Ive included all copies of communication and the credit reports.
Complaint sub-issue: Information belongs to someone else

I have already been the victim of identity theft several times and have a fraud alert on my credit these accounts are from 6 years ago to places I have never been. I have confirmed I have never been to these places and they are not mine please remove from my credit report.
Complaint sub-issue: Didn't receive services that were advertised

Equifax recently had a major security breech ( XXXX2017 ), failed to inform 140 million affected customers for five weeks (! ), had three executives sell stock worth millions (! ), did an incredibly poor job of managing mine and 140 million of my closest friends Personal Identification information, and then created a " Fraud '' alert system ( XXXX XXXX ) which opts consumers into legal situations were they may not join in a class-action lawsuit. This behavior and conduct is completely unacceptable.
I enrolled in a 90-day fraud alert to hopefully protect myself.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/XXXX, my checking account was compromised. I had to change checking accounts. I updated the payment information in my Loan Service Provider, but they did not update my automatic payment. They tried to debit the previous checking account, and it failed. They apparently sent a letter I never received. After said letter, they stopped all communication. They stopped sending any kind of billing notice. I did not receive a bill either electronically nor in the mail for over 15 months. I checked in on my account after realizing I hadn't seen a bill or debit from my account in a very long time and learned they had not billed me, but continued to accrue interest. So not only did they not notify me that I had a balance and payment due, but they also did not attempt to debit the updated payment information. I went to pay off the loan, and when I tried to do so, it gave me a total to pay off less the interest from the current month ( {$150.00} ), so even if I went through and paid the amount suggested, it would still leave a balance owed on the account. I believe that I should have legally been notified of a balance due, of a payment due, but was not sent any notification of the matter from XX/XX/XXXX - XX/XX/XXXX. The company was American Education Services.