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

CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account XXXX pull my payments history made to them from there financial app. 

It's was such a problem that we ended up just doing a buyout of the lease vehicle Which is stated on the document I will provide below.
Complaint sub-issue: Debt is not mine

I signed up for a 30 day trial period with XXXX XXXX. I cancelled the service within the allotted 30 days and was told it was cancelled but kept receiving emails and bills in the mail that I had to pay them. I returned the equipment via XXXX label provided by them to the address of XXXX XXXX XXXX XXXX ; XXXX CO XXXX. But the package was lost. I submitted a lost package claim to XXXX who sent a check to XXXX in the amount of {$100.00} backy in XXXX 2014. I 'm now getting collection notices from AFNI ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX IL XXXX. I called the company on XXXX XXXX to tell them that I do not owe a balance but they are telling me that XXXX XXXX paid XXXX because I bundled. I called XXXX and they are not showing any duplicate payments in 2014 made from XXXX.
Complaint sub-issue: Was not notified of investigation status or results

To whom it may concern, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is not right. Please delete those negative items so i dont have to spend for taking legal action. TY
Complaint sub-issue: Transaction was not authorized

Citibank is allowing XXXX XXXX  to continue making withdrawals without my permission.
Complaint sub-issue: Public record information inaccurate

LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS BANKRUPTCY CH-XXXX DISC XXXX not mine
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company XXXX XXXXXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$120.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$17000.00} written FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Complaint sub-issue: Information belongs to someone else

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. *** XXXX XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** ; XXXX  XXXX**** ;
Complaint sub-issue: Information belongs to someone else

I was in the process of buying an ATV  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Complaint sub-issue: Need information about your loan balance or loan terms

Recently, I began suspecting that I was a victim of a fraudulent loan after I noticed that since XX/XX/2013 when I began repaying my loan not a single XXXX of my payment went to the principal. I'm on the Income-Based program so my monthly payments changes consistently since my income has also been changing since. 
I emailed Fedloan Servicing, which is my servicing loan company, to get a clarification as to why every single monthly payment that I've made since has gone straight to interest. I emailed them about a month ago or so and up to now I have not received any response. I emailed them because I wanted to get their response documented. 
I feel that I'm being set up so I'll never pay off my loan and I'll be in debt for the rest of my life or even beyond. I've struggled making my payments so I've found myself deferring my payments a couple of times. And, since my loan balance is high, the interest that I accumulates and capitalizes is very high. So, since not a single XXXX of my payments have gone to the principal my debt keeps getting higher and higher. Please help!
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 confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

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

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit.
Complaint sub-issue: Application denied

I 've never tried to apply for any credit cards in my life. I moved out of the state and did n't change my address I received letters from the government and it had my social security number my name on it & someone been ruining my credit they fraud a lot on my social please I need help I 'm only XXXX yrs old with a no good credit that I 've never took any action on.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Team Recovery managed credit reporting on behalf of an attorney in XXXX, OH who represented XXXX XXXX XXXX. 
The balance owed on a medical bill was paid in full after it was presented but during the process agents from Team Recovery threatened that my credit would be negatively affected. Even though the account was paid and the attorney dismissed the case in XXXX XXXX XXXX the collections attempt still shows as a negative report on my credit. 

In XXXX of 2021 I contacted both team Recovery and the attorney at their advise and the attorney agreed to remove the report from my credit. The negative report has not been removed and remains on my report even though all parties have agreed to remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " XXXX  XXXX XXXX XXXX XXXX account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, Equifax nor the creditor, XXXX  XXXX XXXX XXXX. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, Equifax and the creditorXXXX XXXX XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a follow up complaint to the original complaint that was incomplete. The credit agencies are all reporting inaccurate, incomplete and false information. I have made several attempts to have corrected. I have submitted all requested documentation along with disputes to no avails. The inaccuracies are costly, costing me thousands of dollars a year in interest and lost opportunities. It is my right as a consumer to have accurate data reflected on my report. 
The Public Record item and account claims listed are deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears the reporting agencies do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that are prepared concerning me. The prompt attention to this important matter is requested in order to comply with federal law.
Complaint sub-issue: Debt is not yours

I lived in XXXX XXXXXXXX XXXX in XXXX, TX last year and was forced to move due to stalking, harassment, and property damage occurring at my place of residence. The entire situation became a threat to my safety. I had to break my lease, however upon leaving, I made sure to submit a 30 day notice to vacate, and give them my supporting documents to prove what was going on. I should not owe any balance to this complex, based on my circumstances. I now have this collection on my report, making it extremely difficult to get approved for any place ( s ).
Complaint sub-issue: Trouble with how payments are being handled

Mohela withdraws funds from student borrowers when they are not due. I raised this complaint in complaint number XXXX. Mohela intentionally misled the XXXX by responding that it has never automatically withdrew funds from me : " To date, MOHELA has not processed an automatic payment through your bank account ... '' See Mohela 's response dated XXXX XX/XX/XXXX and attached here. That is simply not true. 

On XX/XX/XXXX, Mohela withdrew the following sum. Note that {$580.00} went to principal. Clearly, this payment was not due. Mohela withdrew money that was not presently owed. When this practice was reported to the XXXX, Mohela intentionally misled the XXXX about its practices. 

XX/XX/XXXX {$590.00} {$580.00} {$9.00} {$0.00} N/A Details Bank Account : N/A Payment Source : Auto Pay Loan # Loan Type Amount Applied to Principal Applied to Interest Applied to Fees Bill Satisfied 1 XXXX-Refi 15 Year Term {$590.00} {$580.00} {$9.00} {$0.00} A more thorough investigation is in order as Mohela can not be trusted to accurately report it practices. These corrupt, unethical, and possibly illegal practices by student loan providers must cease.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE INQUIRIES FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXX  3XXXX XXXX 4.XXXX XXXX 5.XXXX  XXXX 7XXXX XXXX 8.XXXX  9.XXXX/XXXX  10.XXXX 11.XXXX XXXX 12.XXXX  DBA XXXX  13.XXXX XXXX XXXX  14.XXXX 15XXXX XXXX  XXXX 16.XXXX XXXX 17XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax about XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017, Equifax discovered a security breach involving extremely sensitive, personal identification information of millions of Americans, including social security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. I was one of the persons affected. 

While Equifax is indeed a victim of this attack as well, I find it unacceptable that Equifax waited more than a month to inform the public of this breach. This gave the criminals far too long to exploit the information that they stole. They should have acted as soon as possible to inform the millions of other victims of this attack. 

Further, Equifax has set up a system to offer a free credit monitoring service for those affected. Unfortunately they are tying such an offer with a requirement to settle any disputes with them in arbitration, rather than the courts. Having a day in court to settle grievances is a fundamental right of every American. I believe that this is a tactic that Equifax is using to limit their liability and/or to limit the amount of monetary penalties that they must pay for any wrongdoing that future lawsuits may find that they are responsible for. 

Finally, I wonder how such a breach occurred, what could have been done to prevent it, and whether or not Equifax did take every reasonable precaution to prevent these sorts of attacks. I believe that an investigation should be conducted by law enforcement or lawmaking bodies such as Congress to determine the answers to these questions.
Complaint sub-issue: Information belongs to someone else

I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a Jr and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I didn't have medical insurance when I visited the ER and had no job and person who called threatened to damage my credit.
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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
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 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Debt was result of identity theft

Someone that I do not know of used my name to get a credit line through ACIMA. I was completely unaware of it until noticed that my credit score decreased significantly. Due to the credit score drop, I logged into my XXXX account and realized there was debt with ACIMA and they reported to XXXX only. I disputed the account through XXXX and communicated I was waiting on my police report. Before, ACIMA and XXXX received my police report of fraud they communicated with one another. XXXX noted on my account that ACIMA said the account belonged to me without a police report or an investigation. This is indeed NOT my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was working hard to raise my credit score. Before the identity theft, my credit score was XXXX and not plummeted to XXXX on XXXX. I want this account eradicated from my account expeditiously.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX XXXX {$210.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Complaint sub-issue: Funds not received from closed account

My account was closed due to fraudulent activities by Citi Bank. I was out of town and verified all activities but as soon as I deposited my check they closed my account and never sent me my remaining balance. And this has been going on since XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

My XXXX in XXXX XXXX XXXXXXXX passed away on XX/XX/XXXX and was a Citibank customer. I am her executor but live in Arizona where there are no Citibank branches. 

I contacted Citibank after obtaining a court appointment from XXXX XXXX XXXXXXXX probate and was told that I could fax or mail information showing my appointment including a copy of my drivers license, court appointment, and death certificate. I did not want to send PII information via fax and requested secured email, but was told they had no ability to accept secured email. I never received response from Citibank and called times between XXXX and XXXX for updates but only was able to get to their general customer service line. I chose to re-send, via certified mail, the original requested information. 

On XX/XX/XXXX, I received a letter from CB confirming receipt but indicated I now needed to send a notorized letter providing instructions. ( This was included in my original request ). I followed up along with a death certificate of the additional signer on the account ( my mother who died a year before ). 

On XX/XX/XXXX, I received 2 checks in the amount of {$17000.00} and another for {$.00}. This equates to approximately was in her Checking Account. I called Citibank today ( XX/XX/XXXX ) to inquire on her Savings Account which as a balance of approximately {$100000.00} with the number listed in their correspondence and was told by customer service that they were " unable to talk to me '' given I'm not listed on the account. They noted that they could not connect me with the department that processed the check nor could they help me. They said to call the same number that I had just reached them on. 

I'm a CPA and have been the executor ( unfortunately ) for other passed family members. I have never seen a financial institution act in this manner. It has been 10 months since my aunt passed and the account is yet to be closed properly.