Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

I have previously submitted a complaint about Citibank Credit Card. This complaint is new but its link to the previous issue was well. Citibank is continuing to resubmit a payment to my bank account and causing me to pay overdraft fees because the funds are not there. I paid this bill and they refuse to submit in the payment date which is causing me to pay overdraft fees. I spoke with someone about this account and she was only interested in whether I wanted to reopen the account or not. I opt not to reopen because if they treat me like this who has been a loyal customer for over two years then I wonder how they would treat someone else. I just want them to stop resubmitting that payment to my bank ASAP. I am going to pay them as my history reflects. Please help me deal with them.
Complaint sub-issue: Personal information incorrect

XXXX XXXX collection account from XXXX XXXX  is reporting on my Equifax credit report and should not be reporting because its a fraud account the verification doesn't match my birthdate. I have contacted the credit bureau and company but still haven't resolved.
Complaint sub-issue: Reporting company used your report improperly

I accordance with the far credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 GA XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XX/XX/2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my Equifax and XXXX XXXX reports.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield ( HWARFIELD ) dated XX/XX/XXXX put us in bad credit for {$6000.00} based on XXXX XXXX stating we broke lease and left property in a poor state. Facts are that we lived there for 6 years paying over {$17000.00} a month with utilities included and were never late or missed a payment. Each year the agent did a walk through and NEVER noted any abuse by us on the property. For the last three years, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the agent listed the roof interior being cracked, falling, and leaking. Each time several contractors came out and gave quotes to landlord and nothing was fixed. Water leaked into the kitchen and was reported several times where a roofing company came out and said they fixed. Next time it rained, water came in that ruined the tile in the kitchen that is now being said we damaged. XXXX XXXX was notified several times each year that the water was shut off for non payment by the Landlord. Records can be seen through XXXX   XXXX XXXX. Each time the agent came out she was show where the grass and yard were not maintained by the landlord as stated in lease. Again these things were listed in the walk through report. After she left each year we did seem to get better yard service for a month or so after, but then went back to same. I have pictures of all of this along with pictures to how the house was left. They are also charging us with painting cost. In our lease it stated we were NEVER to paint. We followed the lease, but once the mold began to cause issues with our health and shady contractors making us feel unsafe, we were forced to leave. On a side note, the owner of the property did a walk through with us prior to us leaving and they were not happy that we were leaving. They did not say anything about any problems with the condition we were responsible for the property.
Complaint sub-issue: Attempted to collect wrong amount

Contacted the company via phone and email explaining that I had already paid the amount they were asking for on the date in question, XX/XX/2017, also emailed the company proof such as bank statement of purchase made with my credit card and receipt that purchase was paid with credit card
Complaint sub-issue: Account status incorrect

I've been in a communication tag with XXXX XXXX XXXX for over 4 months. In XXXX, I was the victim of identity fraud, I called XXXX immediately. The person on the phone assured me I had nothing to worry about and that nothing would report to the credit agency while I fixed my payment accounts. 

In a response from XXXX XXXX XXXX to my complaint, they sent me someone else 's account information as a reply! This is extremely negligent and a slap in the face because I was just a victim of identity fraud. I've attached the letter here.
Complaint sub-issue: Frequent or repeated calls

Conns repeatedly called my cell phone number over a debt that should have been covered with insurance that I paid with them. They called my cell on a dialer without my permission and called me before XXXX all the time. They would call me over 10 times a day and agents would threaten legal action and curse at me. Please audit their accounts.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To date more than 120 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Complaint sub-issue: Their investigation did not fix an error on your report

This issue is an existing problem which EQUIFAX 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 the accounts and were never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I JUST CHECKED MY CREDIT REPORT FOR THE FIRST TIME IN A WHILE I HAVE LATE PAYMENTS ON MY ACCOUNT THAT ARE INACCURATE MY PAYMENTS ARE DEFERRED SO I SHOULD SEE NO LATE PAYMENTS REPORTING FROM XX/XX/2016 AND XX/XX/2016 I HAVE FILED A DISPUTE NOTHING HAPPENED.
Complaint sub-issue: Account status incorrect

I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XXXX 2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST XXXX OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS XXXX. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX CARD INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED XXXX AND EQUIDAX ( HAD THE ISSUE PARTIALLY RESOLVED )
Complaint sub-issue: Reporting company used your report improperly

This complaint is regarding consumer reporting agencies.

The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
Equifax, XXXX, XXXX  are the agencies in question.

I am submitting this complaint as the consumer, a natural person.
Complaint sub-issue: Personal information incorrect

On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec.  605, 609, and 623. On  top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from  Original Creditor and  XXXX ,  XXXX ,  XXXX , with is in violat ion of the law ... ..
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.
Complaint sub-issue: Information belongs to someone else

There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my report.
Complaint sub-issue: Information is missing that should be on the report

I applied for mortgage on XX/XX/XXXX and got a report stating that my XXXX  score is XXXX. This report was provided to the broker by CreditPlus. I followed up with XXXX  and they verified that the collection they was on file was all paid off. I verified with three other sources ( XXXX XXXXXXXX credit service, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) - all of them state my XXXX  credit score is 800+ For some reason CreditPlus has it wrong. By now I have contacted them three times and I have on the wait for 45 minutes each time with no luck. There is no reason they should be reporting my score so low. My mortgage got denied because of that.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2022. I received a notification from all three credit companies, XXXX, Equifax and XXXX. That a debt collection/ collection agency reported something FALSE to my credit the collection agency being XXXX XXXX XXXX in the amount of XXXX. This is false. I do not know who These people are and I do not know if a XXXX. They have allowed a false agency to report something false on my credit. Please resolve this. Immediately. This is not my debt. I do not owe these people such a thing at all.
Complaint sub-issue: Didn't receive enough information to verify debt

I have made several attempts to collection valid information from Americollect Debt Company but the refuse to send me valid verification information and the last letter I sent in XX/XX/2019 I did not receive any response from the company. The unverified debt is listed on my credit reports and I would life it deleted as soon as possible or I will take further legal action. The company also changed the account numbers to XXXX from several other account numbers.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with XXXX  Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.
Complaint sub-issue: Debt is not yours

AR RESOURCES INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX told them account was not my no response was giving
Complaint sub-issue: Called after sent written cease of comm

I 've already filed a complaint once against IC Systems. Case # XXXX - they removed this from my credit then added it back. I 've contacted both IC Systems and XXXX XXXX XXXX and neither of them have an account for me. I again am asking the IC Systems remove this from my credit. The way I was talked to and harassed with phone calls is not the way to collect any type of debt and I will not be paying them or XXXX XXXX XXXX due to they were very unwilling to help me on their end with an arrangement I could afford. I again will ask this be removed from my credit report. Thank You.
Complaint sub-issue: Their investigation did not fix an error on your report

Complaint # XXXX was started on XX/XX/XXXX by phone. I was instructed to log into the site and attach documentation about XXXX/Loancare. When I logged in the only way to enter data is to start a complaint. Please advise if the complaint # is valid? 

See complaint # XXXX, filed XX/XX/XXXX Will attach the 4 pages of documentation requested by one of your customer service representatives on Friday XX/XX/XXXX. She gave us the websiteconsumerfinanc.gov. 
Upon entering the website there was no link or place to attach the 4 pages with complaint #. 
Please call me to verify that you have received the attachment of 4 pages. My name is XXXX XXXX cell XXXX XXXX XXXX I am providing mortgage to XXXX bank in Virginia. My monthly payment is {$1300.00}. I went into forbearance of XX/XX/XXXX through XX/XX/XXXX. Then I came out of forbearance by instruction of XXXX. I am current on my mortgage through XXXX. I wanted to refinance my house with a different lender so to get my credit ratings, we went to the credit bureaus. Only two of them accepted my credit. XXXX reported I did not make my payments from XX/XX/XXXX through XX/XX/XXXX. I notified XXXX of their error and I wanted it corrected. I was told their information is correct and that I made no payments. I was in forbearance. I am losing my interest rate advantage and it will cost me more to refinance my home now. Loan Care is a partner of XXXX bank. When I called I was told that the research team does not speak to people it all has to go through customer service. On my statement it shows all payments have been made, I have no late payments and my account is up to date. I have been trying to refinance for the last five to six months. While in forbearance my payments are not to be reported as late or missed. There are no negatives showing on my mortgage statements so there should not be negatives on my credit report. My forbearance instructions that stated I would not be counted late, I would not lose any interest.
Complaint sub-issue: Attempted to collect wrong amount

I received an notice that a collection ( XXXX XXXX and XXXX ) was added to my credit profile with all but not limited to major credit reporting agencies Equifax. After investigating ( calling, asking for correspondence letters, etc. ) I found that the collection added to my credit profile was fraudulent and against the law. I disputed the collection several times with credit bureaus ( Equifax ) and was told that the debt was verified. The collection that's being reported is a civil judgement in the amount of {$2300.00} which is what the XXXX district court has on file. But Equifax has the collection reporting {$3800.00} with said company above. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX laws were passed that prohibit civil judgements to be placed on credit profile with all but not limited to XXXX, Equifax and XXXX unless they include all of the following ... 

Classification codes and original creditor, Full name, date of birth, address, social security number and a monthly full file report. 

Law passed on XX/XX/XXXX also states that, '' the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. 

Upon speaking with a clerk at the XXXX district court in person, I learned that no one ( Equifax or any other 3rd party agencies ) has been to verify any information pertaining to the civil judgement that has been placed on my credit profile. 

Equifax has been reporting wrongful and illegal information ... 

there's no date of birth, no social security number, no address nor name attached to the collection. The dates from the civil judgement and dates reported by Equifax doesn't match. The amount of the civil judgement and amount Equifax and XXXX are reporting doesn't match. 

I have included attachments of the civil judgement and other information.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been a full time XXXX XXXX XXXX XXXX since XXXX. I completed a XXXX in XXXX in XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an XXXX.
Complaint sub-issue: Reporting company used your report improperly

I have filed a dozen Complaints and yet XXXX XXXX, XXXX XXXX, and XXXX mortgage has failed to provide truthful information to the credit agencies. After 5months of my mortgage loan account having a XXXX Balance, XXXX XXXX, XXXX XXXX, and XXXX reported a Negative Remark which impacted my credit Report XXXX on XXXX XXXX causing me harm. XXXX XXXX, XXXX XXXX, nor XXXX had the right to Report any information pertaining to me to Equifax. In XXXX XXXX, XXXX XXXX and XXXX previous replies I disputed Equifax in XX/XX/2021, in which they replied that same month. Can XXXX XXXX, XXXX XXXX, and XXXX provide the Law which states that as a Lender they had the right to Report a Negative Remark to Equifax during the Month of XXXX, when my intial complaint/dispute was in XXXX? This is two months later, which clearly means XXXX XXXX, XXXX XXXX, and XXXX has violated my rights. How and why would XXXX XXXX, XXXX XXXX or XXXX sworn that what they Report was true, when I clearly don't owe this company any MONEY. Can XXXX XXXX, XXXX XXXX, and XXXX explain why there Continued, Abusive, Malicious Practices, Unethical, Unjust and Unlawful Acts CONTINUE to Retaliate against me after my Loan was Paid in Full, Closed, and With a XXXX Balance. These above parties have NO RIGHT to Report or Update any information pertaining to me if I NEVER disputed Equifax in XXXX or XXXX as they orginally stated.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously filed a dispute with you and Equifax in regards to a XXXX   XXXX account account reporting as a charge off auto loan on my credit report ... Equifax responded saying they had corrected the error however my credit score dropped XXXX points and when I reviewed the account it showed the account status ad 120 days past due and 4 or more payments past due but in the description it showed XXXX balance how can it be 120 days past due and XXXX balance this does make any sense I have provided proof from XXXX XXXX that the account was paid in full I received the title for the vehicle in question please correct my credit report ASAP