Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not mine

I 'm showing this is a XXXX debt, but my XXXX account has been closed since I moved from XXXX back to XXXX in XXXX of 2015. I did not have any outstanding bills and if I did, I was never notified or sent any information regarding this.
Complaint sub-issue: Investigation took more than 30 days

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.
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 XXXX XXXX XXXXXXXX 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 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: Account status

My XXXX account is showing late payments on my account from XXXX - XXXX XXXX. This account was charged-off initially and then I Paid it in Full. The account was charge off in XXXX and I 'm not certain why they are showing late payments in XXXX. I also had made settlement arrangements with them for this account, which I paid. As per the settlement agreement they were to notify the credit bureaus that this account has been paid-in-full and have the charge off and late payment status removed from your credit file. I sent a copy of this letter to the XXXX credit bureaus along with proof of settlement payment, etc. The credit bureaus DID NOT UPDATE MY ACCOUNT properly. I 'm in the process of trying to purchase a house and I need to have all my credit information reported correctly. First, the late payments are incorrect, Second, per my settlement agreement the information is incorrect.
Complaint sub-issue: Personal information incorrect

***Hello to whoever might read this, my name is XXXX XXXX XXXX I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Billing problem

Since XXXX when I began a contract with Ally Financial. They have committed fraud on this account Multiple times. Ive sent in many forms of tender of payment. Such has registered securities that have been kept by the company. And the credit not applied. I recently XXXX sent a registered security registered mail. They refuse to apply to my account and are harassing me by telephone about a payment. Theyve reversed payments which I have proof of. Refusal of discharge by law it automatic discharge. I just received my credit report it shows the account was paid in full and closed. Ally reopened the account. I need help ASAP they have illegally repoed my vehicle multiple times. I have proof of all the fraud they have committed
Complaint sub-issue: Account status incorrect

Due to challenging financial circumstances, I filed for Chapter XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to chapter XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither chapter XXXX nor chapter XXXX. At the moment, I am simply continuing to make on-time payments.
Complaint sub-issue: Having problems with customer service

Account # XXXX and # XXXX for Department of Education/Nelnet were official discharged on XXXX/XXXX/XXXX but they continue to show on my XXXX and XXXX credit files as 120+ days late with comments of 180 days late. This status has been updated as of XXXX XXXX, XXXX. When I contacted Nelnet they indicated that they have not reported on that account since XXXX XXXX, so they did not indicate that to any credit bureaus. I have submitted supporting documents proving these accounts are showing 120+ days past due and have asked them to send me a letter indicating what the current status is to send to the credit bureaus for updating and they refuse and continue to not to offer any help in this matter. I have disputed this inaccurate information several times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit.
Complaint sub-issue: Funds not received from closed account

CitiBank randomly shut down my account, and are telling me I have to wait 30-60 days for a check. I literally have no other source of income as this {$1300.00} was my last. I have tried to contact them but they keep putting answering services on the line. I had just used the card an hour prior until all of my transactions were denied with no explanation. I thought it was due to me traveling that my card was flagged, but not fully shut down with no communication.
Complaint sub-issue: Didn't receive notice of right to dispute

In XXXX of XXXX I went to the VA with a medical problem that they sent me to XXXX Hospital ER to be seen for what they thought I had a XXXX XXXX. The hospital was to bill the VA for the services they provided. I did not know what happned but the hospital billed me insted. The reason I did not recive any mail as we were homeless and could not recive any mail. When I found about the bill it had gone to collections the, bill was for over XXXX. I then called the hospital to find out why they had billed me and not the VA. They told me that they did'nt know they were to bill them. Then the hospital called the VA, and was told that they that that they were not going to pay the bill as to much time had passed since the time I was seen. The hospital then sent me forms to fill out to see if I could be forgiven on the past bill, so I filled out the forms and sent them back. I did not hear back from them for about 3 weeks, so I called them back this was about mid XX/XX/XXXX. I then learned that they could not do anything becouse it had gone to leagle, and I would have to deal with the collection company. Then on about XX/XX/XXXX I got a letter from the Hospital stating that I could recive services at no cost to me untill XXXX XXXX but not forgive the past bill. I then called the collection Centron Collection Services to try and see what I could do to resolve the bill I had with the hospital. The call started off with them asking for my account number I told them I don't know what it was. so they asked for my name and we went from there. I told them that I wanted to make payments on what I owed for the hospital bill, that is when they wanted to add my wifes bills that I didn't know she had and that I had to pay them also no matter what, and I could not pay just on my amount. So I agreeded to pay XXXX a mounth. But becouse of all the mixups with the hospital and the VA and now collections, it is very hard to go from homeless to home ownership. the VA shouldhave payed the bill no matter how long it has been and the hospital should have billed the VA. This is a on going problem and the VA and they should pay the bill.
Complaint sub-issue: Personal information incorrect

I was notified via email alerts that an account for a student loan was opened in my name by all three of the credit bureaus. Following the directions on identitytheft.gov, I contacted all three bureaus to place a freeze on my credit reports as well as printing out current credit reports from each bureau. Both XXXX and XXXX were able to verify my information base on the information in both credit reports and place freezes on said reports. Equifax, however, was unable to verify my information and it was at this time that I realized that my birthday was inaccurately reported on their credit report. Furthermore, the information that they asked me to verify my identity was different than the information that I obtained as of printing out my credit report on XX/XX/2019. The last employer listed on the credit report I obtained from Equifax 's credit service was from the mid XXXX 's. I find it inexcusable that Equifax not only can not maintain accurate information on my credit report, but then does not provide current and accurate information when I request my credit report from them. This has cost me valuable time in trying to resolve a fraudulent account being opened in my name and with my personal information. Even worse, I have a credit freeze on my credit report through Equifax that is supposed to prevent accounts being opened without my consent.
Complaint sub-issue: Banking errors

PNC has violated my consumer rights. PNC has violated the FDIC. PNC has charged my account overdraft fees for transactions that have not posted and has stated that transactions have posted before and after deposits have been made. PNC has refused to reverse the charges. 

PNC is violating multiple federal laws by even charging " overdraft fees '' and ATM fees. 

I am prepared to forward this complaint to the Missouri Attorney General. 

I have already placed a complaint with the FTC under ID # XXXX for fraud.
Complaint sub-issue: Debt is not yours

citi bank some how put me in a protection program that I did not need. A  XXXX  a month now I wonder why a  XXXX  coming out of my account. I told them to cancel it they told me I have to pay for it. I told them that I have to pay for something that I did n't want. I do not want that service and they are trying to make me pay for it.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. I have sent copies of the police reports to XXXX XXXX, Equifax and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX stated once tradeline was satisfied, it would be removed off credit file. Payment is rendered per agreement.
Complaint sub-issue: Problem getting your free annual credit report

Tried to find out why my credit report from Equifax called in on XXXX has not been sent as of XXXX. I called them but was not able to understand the person who had a lot of background noise and a heavy accent. Would not identify where they were located.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX 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 a account without my written instructions
Complaint sub-issue: Old information reappears or never goes away

I filed chapter XXXX bankruptcy on XX/XX/XXXX.XXXX/XXXX was one of the Creditors in the bankruptcy.A few years ago every creditor i filed chapter XXXX bankruptcy against has disappeared on my credit reports except XXXX/XXXX.Currently my credit reports shows Michigan XXXX XXXX under Public Records and XXXX/XXXX under closed accounts.No other creditor i filed bankruptcy against is on my credit reports except XXXX/XXXX.Ive tried disputing on all credit reports and even called XXXX to remove under closed accounts, but for some reason they wont.Currently, My XXXX report shows : Date opened : XX/XX/XXXX Balance:XXXX Pay status : Account included in Bankruptcy, closed account Date Closed:XX/XX/XXXX Date updated:XX/XX/XXXX Last Payment made:XX/XX/XXXX High Balnce:XXXX Credit Limit:XXXX Remarks : Chapter XXXX Bankruptcy ; Acct info disputed by consumer ; closed by credit grantor I have takened all steps to resolve my issue with XXXX/XXXX and cant get them to make corrections.Its like they are punishing me for filing chapter XXXX bankruptcy against them
Complaint sub-issue: Information belongs to someone else

The credit bureau is refusing to delete a collection account from my credit report that can not be validated. The debt is with a company called XXXX XXXX for {$8700.00} and the account number is # XXXX. For the past couple of months, I have been trying to get this company to explain and validate the amount of money they say I owe them. The last time I sent them a written request, it took them over 45 days to respond back to me and even then, they were not able to verify the amount of money they are reporting to my credit. I am filing this complaint because this account is inaccurately being reported to my credit and the credit bureau is not processing my dispute properly.
Complaint sub-issue: Information belongs to someone else

I pulled a copy of my credit report and noticed that there are some inaccurate accounts being reported on my report. These accounts are in violation of the FDCPA and the FCRA. I have contacted these companies as well as the credit reporting agencies and they have been unable to verify how these accounts were verified as accurate. These accounts are affecting my overall credit profile and credit worthiness. I don't have any contracts with the companies that are alleging that a debt is owed to them. I have requested they provide evidence to support their claim in which they have failed to do so.
Complaint sub-issue: Transaction was not authorized

ACIMA charged bi-weekly {$57.00} to my account via ACH debit for a total of {$1100.00}. Below are the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called the company, on XX/XX/XXXX and they are a finance company that assist with lease to own furniture ( dish washer, television, couches, etc. ). They did not have my name as a client so they refused to provided me any further information. I also called my bank, XXXX XXXX XXXX and they were unable to refund the {$1100.00} back to my account. They would only refund 60 days of debit.
Complaint sub-issue: Information belongs to someone else

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These Inquiries are Fraud not Authorized are XXXX. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... EQUIFAX ARE. XXXX   XXXX target dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX  XXXX XX/XX/XXXX also XXXX  XXXX  XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX   XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

See attached ID Theft Report. FTC Report XXXX : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 
ID and Social Security card and utility bill is attached as well
Complaint sub-issue: Was not notified of investigation status or results

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax  data breach and possibly placed in the hands of individuals with ill intentions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXXtates I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. 
The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. Websters New Universal Unabridged Dictionary, p. 966 ( 2d ed. 1983 ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.