Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly a charge off for {$1000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in a car accident and deemed a total loss. I had GAP insurance which covered the full amount for the vehicle. Please see a copy attached from my insurance company. There is no outstanding balance due on this account. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several letters to XXXX over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Problem getting your free annual credit report

Someone called saying I have accounts open that large sums of money were being transferred out of the country. I didnt believe So I went on XXXX XXXX and couldnt access because it said answers were wrong. It asked about a mortgage loan and car loan that I have in states I lived but never had. Also addresses Ive never lived and bank accounts I never opened. My wallet was stolen in XXXX tax once and I was robbed in West Virginia and Ohio and I kept everything in my wallet, like social security card, birth certificate, and I.d with bank cards. Someone is opening things in my name.
Complaint sub-issue: Reporting company used your report improperly

I am victim of the data breach and now my rights have been further violated by EQUIFAX due to their submitting false and inaccurate information to lenders. This has adversely impacted my credit worthiness and hinders my natural right to credit. They are falsely reporting late payments and inquiries on my consumer report.

According to 15 USC1681a ( 3 ) EQUIFAX assumed the role in assembling and evaluating my consumer credit. I never consented for them to assume this role and I never instructed them to construct any report and I never consented for EQUIFAX to furnish anything. Pursuant 15 USC 1681b2 EQUIFAX is in violation by not having permissible purpose to do so. EQUIFAX is also in violation of my privacy pursusant 15 USC 1681a ( 4 ).
Complaint sub-issue: Didn't receive enough information to verify debt

Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
Complaint sub-issue: Other problem getting your report or credit score

Multiple times over the last 36+ months I have requested my annual credit report and have been and STILL Im getting denied. I have sent by certified mail and fax identifying documents and have talked by telephone to EQUIFAX agents from nations outside of the contiguous USA and still can not get my consumer credit report, scores, NOTHING because EQUIFAX says the information I am providing does not match whats in EQUIFAXs records! The result of this egregious failure by EQUIFAX has caused my creditworthiness plummet in to the 500s and has ruined my ability to participate competitively or at all. I am also unable to dispute the several inaccurate, unvalidated accounts and remove the several unauthorized inquiries. My MOST RECENT request was made on XXXX XX/XX/2021 via fax to the fax number XXXX.
Complaint sub-issue: Account status incorrect

I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all
Complaint sub-issue: Information belongs to someone else

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Complaint sub-issue: Funds not handled or disbursed as instructed

i am attempting to link my pnc checking account to XXXX the online savings account and after going through the verification linking process by logging into my PNC account through the service Plaid, it says there are issues and to talk to your bank or file a complaint
Complaint sub-issue: Information belongs to someone else

Equifax has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Equifax has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that they requested Equifax to delete the accounts but said accounts are still being furnished. In fact, my credit file has not been updated since XX/XX/2022 which still details the fraudulent accounts. Both XXXX and XXXX note the lawful changes but Equifax refuses. Equifax has monetarily benefitted from defaming my character.
Complaint sub-issue: Credit denial

On XX/XX/XXXX, applied for an auto loan but not with BB & T with XXXX XXXX XXXX ; however, I received a denial from BB & T that my credit score is XXXX ( correct ) and that : I have Serious Delinquency and Derogatory Public Record or Collection - not true. The only collection is an old medical bill that has been disputed several times and removed from Transunion. 

Proportion of Loan Balances to Loan Amount is Too High -  this is a bald-faced lie! ( See attached ).

Excessive Loan to Collateral Value - this is a bald faced lie. The car I thought I had purchased is a XXXX XXXX XXXX with only XXXX miles at a XXXX XXXX Book Value of {$22000.00}. This car was sold for {$18000.00} with a XXXX XXXX XXXX trade-in with a value of {$6000.00}. 

Excessive Obligations in Relation to Income - another bald-faced lie! ( See attached ). 
All my student loans are in forbearance and the bulk of them are on IBR with a $ 0 monthly payment. 

I have always had a problem with this bank even for opening a simple checking account. 

This consumer is requesting a fair assessment of my credit.
Complaint sub-issue: Information belongs to someone else

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Complaint sub-issue: Seized or attempted to seize your property

I originally owed {$1200.00} from a medical debt to XXXX county family services from XX/XX/XXXX. M.L Zager placed a judgement against me in XX/XX/XXXX. I had a fair hearing XXXX re : this matter. The decision from that fair hearing was the administrative law judge was with out subject matter jurisdiction to review the merits of the agencies determination to seek recovery of alleged overpayments, to me this means there was not enough evidence to state The alleged overpayment existed. I have been trying to have ML Zager review this document to addressthe alleged debt. I spoke to XXXX XXXX who is the debt collector for this firm and he refuses to review the information. I even went as far as having the deputy commissioner of XXXX county department of social services contact Them to remove the debt and apparently they told him there was nothing they could do because wage garnishment steps have already been taken. And on top of everything else the debt from XXXX has almost doubled due to fees from ML Zager. I also tried contacting XXXX XXXX to attempt to settle this debt with no effect whatsoever I was told since wage garnishment was sent into action there is nothing he would do for me. I would like to know why they are being so unfair. Just like everyone else I 've had debts before and every debt collector is willing to negotiate to settle a account.I was told by the deputy commissioner of XXXX county that they do not deal with ML Zager any longer because of their cruel and unfair tactics
Complaint sub-issue: Can't close your account

Citibank account holder ( the XXXX ) passed way in XX/XX/XXXX. At the time of XXXX the XXXX was a citizen and resident of XXXX. The XXXX maintained 2 accounts ( the " Accounts '' ) with Citibank for the benefit of his cousin ( the Beneficiary ). The Beneficiary is a Citizen and Resident of XXXX. The executor and the beneficiary have been trying since XX/XX/XXXX to get balance and accounting information and closure for the Accounts.. Citibank has imposed shifting requirements on the closure of the Accounts. Citibank has refused to provide the information or close the Accounts. 

Chronology of Events is as follows : XX/XX/XXXX - Executor sends notice of Appointment as Executor of XXXX XXXX XXXX. 

XX/XX/XXXX - In response to Executor 's letter requesting accounting and closure of Accounts, Citbank instructs that a certified copy of a XXXX certificate and notarized letter of instruction from Beneficiary is first required in order to close the accounts. 

XX/XX/XXXX - Executor provides Citibank with among other things ( 1 ) a certified copy of XXXX  Certificate ; ( 2 ) a notarized letter of instruction from Beneficiary instructing Citibank to close the accounts and remit funds to the Executor. 

XX/XX/XXXX - In correspondence Citibank advises that all documents must be in English translation and must include attestation from U.S. Consulate, Embassy, or Apostille. For the first time, Citibank informs Beneficiary that a Federal Transfer Certificate ( FTC ) will need to be completed. Citbank provides a telephone number but no one calls back after messages are left. 

XX/XX/XXXX - Citibank is provided with English translation and certification with Apostille of the following : 1. XXXX certificate of XXXX, 2. Notarized letter of instruction from XXXX. An FTC was not completed for the following reasons : 1. FTC requires the disclosure of account balances being transferred. To date, Citibank has refused to provide this information, making completion of the certificate IMPOSSIBLE. 2. Funds held by XXXX for the benefit of Beneficiary were never property of XXXX 's estate, but belong to Beneficiary, XXXX. Completion of FTC is not required for property administered by an Executor.
Complaint sub-issue: Their investigation did not fix an error on your report

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment XXXX  # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX & XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

On XX/XX/2023 I received an email that my Citi credit card was closed due to inactivity. This came as a shock to me because I had received no advance Notice that such closure was being considered. I was planning to use this card tomorrow to engage in a citi member presale for a concert tickets. I now have no ability to participate, my credit card is closed, I have no idea how this will impact my XXXX XXXX, and I have no way of reopening it in time to participate in the pre-sale. Ive included a screenshot of the statements section of my account, I received all of my statements electronically, and they should appear on the statements site. As you can see, there are no notices that indicate my account was going to be closed other than the day it was closed. I called citi bank and they apologized and said there was nothing they could do, they dont know why that happened, and advise that I would need to open up a new account. This is simply unfair, unjust, and deceptive to consumers.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX  XXXX XXXX   XXXX {$21000.00} XXXX XXXX {$14000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

For the past 8 months since XXXX 2017 I have been writing and sending certified letters to Citi Bank credit card services in regards to an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company. The Citi Bank account in question XXXX, the whole account number is n't reported as well. Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This letter is a formal complaint against XXXX in regards to an account # XXXX. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. 
For XXXX, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law. 

For XXXX, they just refuse to investigate the account, I've actually disputed with the company several times directly who simply refuses to verify the debt I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
Complaint sub-issue: Problem with personal statement of dispute

I'm having an issue with a debt collector for a student loan. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, ( XXXX ) contacted me yesterday by phone to collect on a student loan debt. My son and I have the same name, but he's referred to as XXXX XXXX XXXX. He makes payments on the debt. I've requested in writing to XXXX that they only contact me in writing ( not by phone ). I explained to the rep that I would call my son and have him check on his payments. The rep was very aggressive and would not accept my reply-so I ended the call. My son made a payment that day- but I was informed that my credit was pulled that day without my consent for new account activity. When my son called to find out why, they explained that they can pull my credit at anytime. 

I believe this was done in retaliation. I would like to file a formal complaint about XXXX 's methods and procedures for collecting debts. As stated, I've requested from them several times not to contact me by phone. XXXX 's tactics are meant to financially harm consumers by distorting credit reportings.
Complaint sub-issue: Debt was paid

Vance and Huffman , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX XXXX XXXXOther Phone ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX They have been trying to collect on an auto loan that has been paid off. XXXXXXXX XXXX XXXX XXXXXXXX balance {$8900.00} date opened XX/XX/2021 for XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/2019, I opened a request with myfedloan.org to correct payments that were misapplied towards my XXXX. I had previously been working with XXXX  and when my loans were transferred over to myFedloan upon applying for XXXX, payments made are not being applied towards my XXXX accounts. I have made countless phone calls to them in the XXXX years since and Ive been given the runaround about this numerous times. I have been informed on more than XXXX occasions by myfedloan that they are handling this and correcting it. Nothing has been done.
Complaint sub-issue: Problem with fees

For many years I have Citi Credit card and always paid the balance in full and in time. In XXXX of this year the payment due date was as always on the first day of the new month, i.e., XX/XX/2021. That date was on Sunday and since I paid my bills through bank transfers I could not pay the due amount on that date and it was paid the following day, i.e., on Monday XX/XX/2021. Yet I was charged late fee and interest charge in ridiculous amounts. I
Complaint sub-issue: Debt was paid

Debt was paid directly to original creditor XXXX  XXXX ( XXXX ) on XX/XX/2022. I have evidence of the two amounts that were owed paid in full ( with my debit card ). 

I have repeatedly disputed the account, XXXX and XXXX XXXX remove it then Americollect re-reports it knowing it is already paid.
Complaint sub-issue: Information belongs to someone else

I have reached out to the company for proof for the second time, and sending them confirmation I was a victim of Identity theft and there in violation of FDCPA for not providing me evidence of this account. They only sent a statement or bills of this account, no signed contract, or proof that I am opening this account.
Complaint sub-issue: Their investigation did not fix an error on your report

On date XX/XX/2020, I noticed that XXXX XXXX XXXX is still reporting on my credit report. This credit is over ( 7 ) years old. Due to the statute of limitations on debt in the state of NY in which I reside in this account must be removed
Complaint sub-issue: Their investigation did not fix an error on your report

I have called XXXX XXXX  on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting screwed around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX  they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX  is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX.. THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.