Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Around the beginning of 2022 I started getting letters from XXXX claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called XXXX directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as XXXX and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is : RAS LaVrar LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone # XXXX I'm sending pictures of XXXX of the many letters I've received.
Complaint sub-issue: Problem during payment process

Best buy refuses to grant me entry to their website to set up automatic payments and their call center supervisors are very rude and don't help. I just want to set up recurring payments.
Complaint sub-issue: Banking errors

While banking with US Bank Corp I was charged several fees. I followed all bank policies to avoid these fees. A letter for all 5 deposits was given to the bank prior to place a hold on the deposit until the funds were available, just 1 day later. Instead of placing the hold the deposits were processed and I was charged several fees to add to a total of {$360.00}. My account was closed for an overdraft amount of {$250.00}. I feel that I folllowed all necessary procedures to insure that these fees were avoided and would like the {$250.00} credited back to my account. I understand the account will still be closed but this will leave a {$0.00} balance. After talking with my attorney, he feels that this is a reasonable request. I'am prepared to file small claim paperwork if necessary. At that time I will request {$1800.00} for fees associated with the filing all of the paperwork.
Complaint sub-issue: Account status incorrect

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home DEPTEDXXXX   XXXX
Complaint sub-issue: Filed for bankruptcy

I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. 
Did not receive it. 
May I have a copy of my online application filled out online to get this credit card?
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 this letter was sent to Equifax signed for on XX/XX/2018 via certified mail. The first statement on this document states THIS IS NOT A DISPUTE it has been two months and Equifax has sent none of the information requested in the document. However Equifax used this document for a unrequested dispute verifying the information requested in this document as accurate. This is evidence that Equifax is not performing investigations as per guidelines of the FCRA. In the documents I requested the information that they ( Equifax ) use and the contacts of the individuals providing the information. Equifax has provided nothing. Please review all the documents sent on this portal and require Equifax to report fairly.
Complaint sub-issue: Personal information incorrect

on XX/XX/2023, i sent letters to the CRAs ( XXXX, EQUIFAX, AND XXXX  XXXX disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I filed a dispute for a returned phone to T Mobile for {$71.00}, on XX/XX/XXXX, I filed two disputes for {$21.00} and {$27.00} ( XXXX XXXX and XXXX  ) for a trip that did not happen COVID 19 issue. I can not get any assistance from PNC Bank.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt is not yours

O n  XX/XX/XXXX , I  sent a certified written dispute to  Procollect disputing the debt they claimed I owed ( see attached ). I also requested documentation that proves that I owe Procollect as well as a breakdown  of fees for such de bt. Procollect DID NOT provide me with proper documentation. O n   XX/XX/XXXX , they  sent me a standard dunning lette r (  see attached ) with a printout of some information on a piece of paper with a name on it that is similar to mine that supposedly shows  XXXX  transactions made back in   XX/XX/XXXX   ( see attached ). First and foremost, my name is  XXXX   XXXX   XXXX   XXXX , my father, my  XXXX  cousins, and both of my sons all bear the same name, as well as countless others in the state of Louisiana. So whose debt is this? I will say again, I am unaware of such debt. Secondly, this printout was NOT a billing statement from the creditor that shows a detailed breakdown of the services rendered nor did it show a breakdown of fees or how they came to the amount they say I owe. This also was n't a contractual agreement bearing my signature. Procollect is playing games and trying to get me to pay an unverified debt they have no proof that it is mine.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. So, I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, and proof that there is some contractual obligation which is binding on me to pay this debt. Since I could n't get the proper documentation from Procollect via certified mail and they have violated the FDCPA by reporting a unvalidated debt to the credit reporting agencies, I am requesting again that this account is deleted from my credit reports or please provide me with the proper documentation, so this debt can be resolved.     Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, and authorization under subtitle D of the  ARRA, SEC. 13401 . Also, provide copies of any agreement that bears my sig nature wherein I have agreed to pay the creditor and as this is a medical account a copy of any HIP AA authorization.     In the event of noncompliance, I reserve the right to file charges in a small claims action against your  company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act & FDCPA.
Complaint sub-issue: Account information incorrect

This is old information. Switched insurance companies. No laps in coverage. This company wanted me to pay for this when I had switched in the proper time frame. Still on my report.
Complaint sub-issue: Received bad information about your loan

This event happened a few days ago around XX/XX/2019. 

So my student loans originated with citibank and now they are at XXXX XXXX. XXXX was telling me how I can not be in in-school deferment because I had already used my 10 years. I am in XXXX  school, have been for two semesters, and I demanded to see my promissory note. It took about 24 hours for them to call me per my request and I still havent recieved my promissory note. When they called back, we discussed it over the phone and the rep read that my contract does show if I go to XXXX school I get an additional 4 years of in achool defferment. The rep even told me that their computer system didn't even show those terms regarding being in grad school, but it was on my contract. Thiss is highly illegal and I would like this company dealt with please. If there's any way we can get this student loan expunged due to illegal practices, then that would be great
Complaint sub-issue: Debt was paid

I received a statement from XXXX XXXX XXXX on XXXX/XXXX/XXXX for a medical debt owed. I paid the debt in full on XXXX/XXXX/XXXX via the XXXX online payment portal but I continued to receive numerous calls requesting payment. I spoke to XXXX in customer service who advised me to fax over the receipt which I did on XXXX/XXXX/XXXX and she advised that my account would be updated in 1 - 2 weeks. Approximately 1 month later I received a letter in the mail from a debt collector for said debt. I sent proof of payment to the debt collector and contacted XXXX who advised that my account was still under review 1 month after I faxed over to them their system generated receipt as proof of payment. I informed the customer service rep that their error may now impact my credit and she said nonchalantly we 'll look into it and get back to you. I still have not received an update so I will be calling back.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX XXXX took from my account XXXX fraud. I deactivated my account and was still receiving their emails. Accidentally I clicked on it and automatically deactivated it. I tried being as understanding with them and I find it very incorrect on how they work. Today XX/XX/2021 I still get their leads although my account is deactivated meaning if I do the same accidently they will charge me again. I never worked or will ever work with this company. They are very illegal going into my account and taking money for no reason. I have attached proof.
Complaint sub-issue: Information belongs to someone else

In reviewing my credit I have two accounts that are not mine. 

Discover Financial Services opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the XXXX credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all XXXX credit bureaus. With sincere thanks.
Complaint sub-issue: Debt was paid

AES/PHEEA is reporting to XXXX, XXXX, and XXXX a debt that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why XXXX, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and Equifax and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and Equifax needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Information is not mine

The name XXXX XXXX is not me and should be removed from my report please and thank you.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting my 7th CFPB complaint to you today requesting that the Credit Reporting Agencies remove the disputed fraudulent information from my Credit Report. I have been disputing the fraudulent accounts and information from my Credit Report and it is clear that the Credit Reporting Agencies are not willing to comply with my requests. The Credit reporting Agencies continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Also, I have read that the Credit are required to remove the disputed accounts and information that resulted due to the identity theft. I am submitting this XXXX Complaint to request that the Credit Bureaus remove the fraudulent accounts and information completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX White XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Gap # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Banking errors

I've notified the bank that my phone number has been disconnected. The bank refuses to delete the phone number from my account. It's a security risk to have a phone number assigned to my account that might very well now belong to someone else. There is no valid reason to have a wrong phone number associated with my account. 

I think the bank believes that I got a new phone number because they tell me that I can get put on a do-not-call list. That's XXXX. I have have NO phone service. I'm not planning on getting phone service. I had to economize, and it was either the phone service or the internet. I kept the internet. 

The bank claims that they might have to call me. They haven't called me once since I opened the account, and there's no reason that might have to contact me by phone in the future. However, they have emailed me. They can email me if they need to contact me, use an online notification when I log in, or mail me a letter. It's XXXX, not XXXX.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX Balance : {$1200.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Company refuses to remove name that isn't mine and employers that I don't recognize as well as unverified accounts that I have no idea what they are
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  is mailing letters to Mr. XXXX XXXX and Mrs. XXXX XXXX in the names of XXXX and XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. In addition, XXXX XXXX is inaccurately reporting a loan account in our names, MrXXXX XXXX XXXX and Mrs. XXXX XXXX, to Equifax, XXXX and XXXX. In XX/XX/XXXX, we mortgaged a residential property, XXXX XXXX XXXX XXXX ; XXXX, Georgia XXXX with XXXX XXXX  for {$51000.00}. Our closing attorney performed a title search on the property. The title search came back free and clear which resulted in XXXX XXXX authorizing the sale of XXXX XXXX XXXX XXXX XXXX, Georgia. In XX/XX/XXXX, we sold the home to a buyer with written authorization from XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, former Branch Manager/Assistant Vice-President of XXXX XXXX, XXXX XXXX, revealed to us a promissory note of a second mortgage loan, from year XXXX in our names that did not match our signatures. According to Mr. XXXX, the second mortgage did not meet XXXX approval guidelines and was fraudulent. The third page of the promissory note was duplicated with forged signatures. In XX/XX/XXXX, a Civil Action was filed resulting in a court order to restrain XXXX XXXX " from conducting any foreclosure '' on our former property. Even though XXXX XXXX authorized the sale of our former property in XX/XX/XXXX, Mr. XXXX XXXX and MrsXXXX XXXX XXXX has recently received notification from Equifax, XXXX, and XXXX regarding foreclosure action against the former property of Mr. XXXX XXXX and Mrs. XXXX XXXX.
Complaint sub-issue: Don't want a card provided by your employer or the government

Received unsolicited debit card from US Bank due to a fraudulent Colorado unemployment claim made in my name. Trying to contact US Bank to rectify this has been impossible due to their horrible customer service phone service.