Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue you for very old debt

Citi card sold a debt to XXXX XXXX Around XX/XX/XXXX. The letter that I received from citi stated that The loan ending in XXXX was sold for a balance of {$5600.00}. 

First XXXX  and my credit reports are showing that this is not a loan but a credit card. But Citi letter states it was a loan. This Account was closed on XX/XX/XXXX. This is way past the statute of limitations in Louisiana. Also the letter and XXXX  show the balance is {$5600.00}. However the credit reports and the last statement from citi credit card show the balance is {$5700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. XXXX  XXXX XXXX, XXXX  XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove it. 
Account : XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Equifax added an account they deleted XXXX XXXX  with notice which is violation of my fcra and also have done nothing to help me with all the ftc vilations
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX Venture Visa account # 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: Their investigation did not fix an error on your report

I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims. 

I have disputed and disputed these 3 accounts with both XXXX  and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. XXXX / XXXX XXXX  2. XXXX  / XXXX  3. Lending Club Corp THESE ARE NOT MY ACCOUNTS I have been told by XXXX  for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, XXXX continues to report these to XXXX. I have sent all of this documentation to XXXX and to XXXX multiple times.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference is # XXXX.
Complaint sub-issue: Non-sufficient funds and associated fees

I checked my account on XX/XX/XXXX to check if bills paid went out. No fees. Incurred a overdraft fee on XX/XX/XXXX, identified on XX/XX/XXXX. Deposited funds to cover the overdraft on XX/XX/XXXX plus additional funds to cover another automatic payment. Per the Deposit Agreement with KeyBank they change the posting order of automatic payments and created an additional overdraft charge even though I went to bank and deposited cash. How is that fair, to charge two overdraft fees when there should only be one? I never picked KeyBank to be my bank I am just the unlucky person who started with a bank that was sold twice but this is completely unfair.
Complaint sub-issue: Reporting company used your report improperly

XXXX tired of going back and forth with lexis nexis about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including XXXX, XXXX and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of domestic XXXX, stalking and threats with a deadly weapon. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to defamatory of my character is making my life XXXX. I have to work more hours and spend less time with my children. XXXX stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.
Complaint sub-issue: Problem with customer service

On XX/XX/ 2016, I opened a bank account through XXXX XXXX XXXX. I live in XXXX, XXXX. I opened the bank account at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The New Account Representative I opened my account with was XXXX XXXX. I was promptly looking to open a checking account after I had just moved back to XXXX from XXXX. Upon opening my checking account, they also opened a savings account. As XXXX was finishing up my account, he said, " I need to run a soft hit on your credit to make sure you are in good standing with any other banks ''. I thought it was strange for him to run my credit for this reason, as I had never encountered this at any other financial institution. When he came back he said that I also qualified for a credit card with the bank and that I could simply cut the credit card when I received it if I did not wish to use it. I did not give him my consent to use my credit for this purpose, only to ensure that I was in good standing with other financial institutions. This was my first credit card and after speaking to my parents along with others, I was concerned about the fact that XXXX wrongfully and knowingly extended me a line of credit way in excess of what my income would merit. At the time, I made just over {$2000.00} a month. Prior to my obtaining this credit card, I was unaware of what a utilization rating is and how important it is to keep it at a minimum in order to maintain good credit or continue to build on good credit by using less than 30 % of the allotted credit given. There is no way someone of my stature would normally ever qualify for a line of credit that was given to me, which was {$5000.00}. I take full responsibility for using the card, but again, after speaking to my parents, I thought it would be in my best interest to have a thorough investigation done to ensure I have exhausted all of my options in trying to have this resolved. I can provide any income stubs or other documents if requested.
Complaint sub-issue: Can't qualify for a loan

Please see enclosed letter for detailed information. 

Lender approved me for a loan based on my credit score/history. School does n't want to certify and disburse loan because of my current XXXX status. I am a small business owner currently in adjustment of status a process which takes about 1-2 years because of backlog.
Complaint sub-issue: Debt is not mine

This complaint is in regards to my experience with this company in attempt to collect a debt. I resided with a company in XX/XX/XXXX which went under the name of XXXX XXXX owned by a separate company & within months of signing my lease the company was bought out and named XXXX XXXX. Upon leaving my lease one month early, I was expecting to a " breaking lease fee '' & my last month 's rent, which was the month I did not pay ( XX/XX/XXXX ). After leaving the complex there was NO FORM OF CONTACT, simply because none of the contact information on file was correct. I had no knowledge of all the charges the company has built up and placed on my account. XX/XX/XXXX I was applying for new apartments and kept getting denied for this misunderstanding which has now accumulated to my credit. After several attempts to contact the company and set up some arrangement I have took it upon myself to dispute the charges since I had no knowledge of it. I have called and been disrespected numerous time I have be researching where to contact, now I am here hoping to get some help from someone. I wrote a letter explaining how I was never notified of any charges, not even by e-mail and that was the only correct form of contact information. I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and - - did not attempt to verify my mailing address, email address or telephone number. I am really fed up with this company and even willing to solve the issue IF my dispute is denied, I am simply out of options and hoping to find a pointing finger here. The company ( XXXX ) was so unorganized and nonchalant that it would be modest to think that their collections company would have any more class and respect. I am hoping at the end of this and with the dispute and this additional complaint that I will soon have this issue resolved and this company name off of my credit. If anyone can provide me with the proper address I should send my letter to, a name of someone I could speak to in regards to solving this matter or any little information that I can use to solve this issue I would greatly appreciate it. Thank you and steer clear of CARTER YOUNG.
Complaint sub-issue: Contacted me after I asked not to

This debt is owed by the other i payextra child support every month to not have XXXX XXXX XXXX on my health insurance and I am turned into collections regardless
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  Inquiry Date XX/XX/2021
Complaint sub-issue: Right to dispute notice not received

XXXX debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX XXXX  XX/XX/2021 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

I submitted a letter to Equifax last XX/XX/2021 and until now I didn't received any response, it is over 45 days so now this is a violation of 15 US Code 1681i ( 6 ) ( a ) Failure to send results of reinvestigation in writing within 5 business days by mail.
Complaint sub-issue: Reporting company used your report improperly

I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with EQUIFAX. No consent is identity theft. On XX/XX/XXXX, I called EQUIFAX and spoke with XXXX XXXX id XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent cut me off and would not allow me to speak. I told him that I'm contacting the cfpb about this. He stated that he could not assist and to go ahead with my complaint.
Complaint sub-issue: Overdrafts and overdraft fees

On XXXX/XXXX/19 my checking account was overdrawn by approximately {$6.00} resulting in a {$36.00} charge. I have an alert system with the bank in place that warns me when my balance drops below {$500.00}. On that date I was notified that I had a positive balance and knowing that electronic regular deposits would arrive on XX/XX/XXXX or XXXX I did not transfer additional funds relying on the bank 's notification that I had a positive balance. 
On the morning of XXXX I learned that a small outstanding check had caused a very modest overdraft ; I called the bank expecting a reversal of the {$36.00} charge but the clerk refused taking no notice of the fact the bank had formally informed me by email on XX/XX/XXXX that there were funds in the account. I asked for a supervisor who subsequently called me on XXXX still refusing to reverse the charge. 
I feel this is a deceptive practice as I relied of the Bank 's confirmation of positive funds on the same day as the overdraft had occurred.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

i cheked my credit a few months ago. its not the law, I never had a XXXX  account I dont speak english the rep is very abusive with language. The other bureaus deleted it but equifax refuses. Its very diddiculy. I use a dictionary to write this. Please help. And XXXX  XXXX marked me late marked me late and I have automatic payments setup. the language barer. i need to keep my citizenship. this is not good for me please delete XXXX  and update my lates at XXXX  XXXX to never late. i was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never was late on XXXX  XXXX. I had automatic payments scheduled 100 % this is on my report You've made 42 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_status
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$960.00}
Complaint sub-issue: Information belongs to someone else

I have never applied for credit with XXXXXXXX XXXX. I was in middle school in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a pending {$6100.00} dispute w/ Citi Bank involving XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I hired this company to do general contracting work to my home including electrical and plumbing. A month into the project, after the work was not done -- and the contractor had XXXX volt electrical wires outside my home taped together w/ masking tape -- sewage running under my home w/ no plumbing -- and left me without water for days -- indicating they did not know how to do the plumbing for the hot water indicating they were not a plumber -- I discovered the company was actually not a licensed contractor and terminated them. They came and retrieved all of their materials and tools on XXXX XX/XX/2022. None of the work was completed and significant damage was done to my home. 

Despite providing this information to citi, along w/ documentation from the licensing board showing it was illegal for this company to accept any of these jobs or perform any of the work -- they did not resolve the dispute in my favor, claiming they needed more information. 

I provided them the contract, the receipts, photographs of the damages, documentation showing the company was not licensed, and copies of the owner 's approximately XXXX prior arrests -- -including arrests involving his illegal work. I also included proof of negative reviews of him doing this to multiple other people. 

I disagree w/ their dispute process. This individual is not licensed to perform this work. Not only did he not perform it, but he did extensive damage to my home. Citi should not be siding w/ criminals and criminals should not be paid for their illegal practices.
Complaint sub-issue: Received bad information about your loan

The account is at a {$0.00} balance and show that on the AES website, but all 3 credit bureaus are showing a balance, this was resolved in XX/XX/2020, thanks
Complaint sub-issue: Account information incorrect

I ORDERED MY CREDIT REPORT AND SAW THIS COMPANY ON MY REPORT SHOWING THAT I OWED MONEY.I HAVE SUCCESSFULLY PAID OUT THIS COMPANY AND RETURNED THEIR EQUIPMENT.
Complaint sub-issue: Reporting company used your report improperly

Ive spoken with the office to let them know, I was not aware of them not being in network with my insurance, I keep asking them to please verify before I'm seen and they keep telling me that everything is good with my insurance. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # 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