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

Collection debt on my credit reports from MRS Associates on behalf of XXXX XXXX for {$730.00} as of XX/XX/22 ( date opened XX/XX/22 ). I have never had account ( s ) with XXXX XXXX or XXXX. I filed dispute with XXXX and XXXX as well as contacting XXXX XXXX XXXX on XX/XX/22 and filed fraud complaint/report they say the will look into ( I have not heard back as of yet ). I wanted to file this with CFPB to cover all of my basis everywhere I can as this debt is NOT mine. I have tried so hard to clear up my credit report and this is very concerning to me of this fraud incorrect report.
Complaint sub-issue: Debt was result of identity theft

Identity stolen and XXXX account was created by someone I dont know and at an address I am unfamiliar with. This is hindering my ability to close on a loan and Im a victim not delinquent consumer
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX continues to report to XXXX ( XXXX ) unpaid debts that were paid directly to XXXX. This is a violation of my rights under the FCRA and I want this company to remove this from my credit report immediately and stop all communications regarding this. Also through research, I have read in muliple sources that medical bills under {$500.00} will not be reported to credit bureaus any longer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

- Opened dispute with Citi on XX/XX/XXXX for a transaction of {$3100.00} with XXXX XXXX on XX/XX/XXXX. 

- Vendor performed work on my car including putting on new brakes, rotors, wheels, wheel spacers, and tires. Vendor damaged my radiator during repair process and refused liability. Radiator caused car to overheat and had to be towed to be fixed. Three days after receiving car from vendor front passenger side wheel and tire came off on highway. Causing serious damage to car in excess of {$15000.00} and eliminating all trust in the work done by vendor. 

- Retained an attorney to open a successful lawsuit against XXXX XXXX for damages caused to car, not including original purchase amount. 

- Sent Citi all insurance information from accident, repair bills, and lawsuit information to dispute the original charge from vendor.

- Vendor responded with a fax of a invoice, and Citi closed the dispute with no refund issued. 

- Retained attorneyXX/XX/18 on to demand that Citi refute these charges from vendor and reimburse me the complete amount of {$3100.00} and provided additional evidence from 3rd party XXXX XXXX and XXXX XXXX used in lawsuit to prove vendor fault. 

- Citi closed dispute with no action taken on XX/XX/18 with the following response : " We no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed ''.
Complaint sub-issue: Old information reappears or never goes away

Vance Huffman is a debt collection company who bought debt that was opened in 2009 this account has been on my report for 10 plus years they keep renewing the debt and will not remove it how is this legal how is it okay to bully a single mother?
Complaint sub-issue: Information belongs to someone else

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX,
Complaint sub-issue: Debt is not yours

Upon pulling my credit report from the reporting agencies, I 've noticed an account placed with AFNI with the original creditor being XXXX XXXX. I 've never had XXXX XXXX, as I 've been with current provider for more than 10 years.
Complaint sub-issue: Information belongs to someone else

These student loans were acquired by my daughter fraudulently USING MY IDENTITY/INFORMATION!
Complaint sub-issue: Information belongs to someone else

I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Dept of ED/XXXX  {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX {$3900.00} 6 ) Dept of ED/XXXX {$3000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act carmax has violated my rights under 15 USC 1682 section 6 o2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Attempted to collect wrong amount

I attended XXXX XXXX XXXX College for the spring XXXX semester. I have paid all monies owed to the school directly and have an invoice showing that I paid and have a {$0.00} balance as of XX/XX/XXXX. AR resources inc ( debt collector ) continue to report that I owe them the full semester registration amount even after I have sent them proof that this debt has been paid. I have contacted them several times directly and forwarded AR resources inc proof of the payment but they continue to report that I owe this debt to them. I have also disputed the debt through the credit reporting agencies with no effect.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested an extension for my Best Buy Card after catching XXXX and had to stop working for some time. My request was granted and my account was supposed to be deferred. However, I received notification that my account was 30 days late. I contacted Best Buy the following day and the representative informed me that after I make a payment and after the payment clears, the information being reported will be deleted and my account will be current. The payment was already made and was pending. After a week went by, the 30 day late payment that was being reported was deleted and my account was back to current. However, an additional two weeks went by and now the information that was once deleted is being reported again and showing on my XXXX account. Ive reached out to Best Buy and they informed me that it was corrected on their end and that I should contact XXXX. XXXX did a dispute for me and asked me to contact Best Buy which I did and they also filed a dispute.. However, the information being reported has not been deleted. The creditor agreed to delete the information being reported as long as I made the payment and the payment cleared. I had already made the payment before calling Best Buy and the payment was pending which is why the representative asked me to wait until it clears then the information being reported will be deleted. The information was deleted but it has came back on my account and I am not sure why after the creditor agreed to delete it. This is the reason for my dispute.
Complaint sub-issue: Information is not mine

XXXX is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX XXXX which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account.
Complaint sub-issue: Company closed your account

On XX/XX/2021 I requested an increase with the credit card company. They denied my request. XX/XX/2021, I received a letter from them stating my account is being closed due to " A delinquent credit obligation ( s ), either paid or unpaid ''. I called the company immediately asking why my account was closed. The gentlemen stated based on my current credit, it makes me to risky to be a customer holding a credit card with them. I believe this to be discrimination and unlawful. I have had a credit card account with this company for over 4 years now and have never missed a payment or had a late payment. THe gentlemen I spoke with even said, " I see that you have a good payment history with us. '' This company closing my account with those remarks has affected my credit score.
Complaint sub-issue: Fee problem

My account continues to be coded and profiled for certain activity, mobile deposits, certain transactions, overdraft protection. 
I continue filing complaints regarding this situation. The bank continues to deflect and want me to speak to their Executive Client Escalation representative. 
I completely understand the problem as well as the violations and practices which I am experiencing. 
I have opted in for overdraft protection, however, the transactions which caused the overdraft are not paid and fees are applied. 
Four transactions at {$10.00}, 1 @ {$15.00} were allowed to post causing overdrafts and fees. I am willing to pay the valid charges totaling {$55.00}. The fees are {$140.00}. 
I have requested a refund since the transaction should not have been authorized by the system and then approved to be paid via the Opt In option. 
Also, this bank put a hold on my Social Security Direct Deposit and some deposits I made via mobile banking app for no valid reason except because of profiling. Deposits are being scrutinized and held. My account becomes overdrawn because of this illegal bank practice.
Complaint sub-issue: Didn't receive notice of right to dispute

On XXXX i received a notice via mail from XXXX XXXX XXXX, XXXX XXXX XXXX that I owed a debt of {$2200.00} to Discover Bank. They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The Discover account number is XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Fraud Charge was made to my Citibank msatercard for 2nd time  in 2 years card number XXXX. 

Citibank staff is leaking my password to unknown people who are using my card fraudulently and using for unauthorized online transactions. 

XXXX usd declined online purchase on my card for merchant XXXX   XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Problem using a debit or ATM card

I received an email about a remote job opportunity at XXXX. I saw that this opportunity was being relayed through my school, so I immediately trusted it, and I received information about it on my school email. I signed up for this fraudulent opportunity on a XXXX spread sheet. I signed with my name, address, and things of that sort. The opportunity stated that when hired your job would be to buy, package, and send goods to foster homes. I wasnt too skeptical and when I was told I got the job. A check was sent to my house and the check. It was made out from a restaurant to me. The lady who was texting me, I dont even know if it was a lady at this point, said that it was XXXX of their very close sponsors. I went to cash the check out at the bank on XX/XX/XXXX. The check amount was {$3900.00} and I was told to come back the next day because I had to wait for the check to clear. I was to use XXXX to get XXXX {$500.00} vanilla XXXX cards and send pictures of them to XXXX XXXX, the lady who reached out to me. The {$400.00} would be my cut. I was only able to withdraw {$500.00} the first day, XX/XX/XXXX, and the bank teller told me I had to wait XXXX day for it to clear. I waited XXXX day and went back to the bank on XX/XX/XXXX. The teller told me that the check cleared and gave me {$3000.00} in cash. After I got the cards that the " job '' needed it was too late. I called Citibank on XX/XX/XXXX because I wasn't able to access my account and a representative told me that my card is locked because it is overdrawn by over {$3000.00} and the account connected to the check that was deposited was frozen. I told the bank that wasnt possible and said I would contact the job ''. I was going through my email to look at their information again when I came across a scam email from my school. Ive done some research on situations like mine and after talking to customer service representatives from my bank for hours it doesnt look like I will be getting the money back. A representative opened up a claim for me to possibly get my money back but they are saying that since I withdrew the money I am liable. I dont think that this is fair at all because the workers at the banks are the experts and the bank should have some sort of policy on checks. I really can not afford to pay this amount to the bank and neither can my family. I was only able to get the {$500.00} that was withdrawn the first day and a representative helped me open up a new claim to dispute the {$3000.00} that was withdrawn on XX/XX/XXXX. This could take up to 90 days to process and I can not wait that long to access my account. It has already been nearly XXXX months.
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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 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 states : 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

The account been closed for years the company recently reports the balance increase as well reports lates payments.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX does not have my debt statement due to a compromise of payment agreed upon in XX/XX/2015. This debt has been settled and dismissed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed
Complaint sub-issue: Reporting company used your report improperly

Ameris Bank sent me a copy of a payment history that has been made to this account. Yet nothing to show I am the person who is obligated to this debt. Ameris bank stated I owed them money for this debt, Since Ameris bank is stating I owe them money for this debt on ACCOUNT # XXXX. I am asking for documents to prove I'm obligated to pay this debt. I would like to see an account ledger that shows I have an obligation for this alleged debt. I would like to see Ameris Bank records of accounting/their ledger for this account, If Ameris Bank cant provide me their ledger for this account, which should show I owe them money they should remove this inaccurate account from my consumers report immediately, because I am not the person obligated to this debt. A BANKING LEDGER/ OR XXXX LEDGER ON THESE ACCOUNTS would show that I owe them money for this alleged debt. please produce them and I will have no problem paying on this debt. They've reported inaccurate accounts on my consumer reports for to long and are now responding to me like I am not the one inquiring about getting this inaccurate account removed from my consumers report.
Complaint sub-issue: Account status incorrect

The response I received from XXXX is not doing what I asked. XXXX asking all 3 credit reporting agencies to mark my account as Current and Paid Off isnt the same as Never Late I want the company to notify the credit bureaus to remove the 120 and 180 days late off my report. Just saying account is current is not the same. I want all reporting of late payments and any and all negative activity removed off all 4 credit reporting agencies from this company. I have never been late especially one report shows 120 another report shows 180 days late. I want all the late payments completely removed off all 3 credit reporting agencies as Ive never been late. I want all negative activity removed off all 3 of my credit reports XXXX, XXXX, XXXX from XXXX. Saying current is not acceptable. I want it completely removed