Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for XXXX XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XXXX, XXXX XX/XX/XXXXAcc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; XX/XX/XXXX Request Corrections to be made with XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Complaint sub-issue: Indicated you were committing crime by not paying debt

1. ) XXXX XXXX {$720.00} contacted agency several times.
2. ) EOS CCA ( XXXX XXXX XXXX ) {$380.00} This was not my account. I never had service with them 3. ) XXXX XXXX XXXX 4. ) XXXX  5. ) XXXX 6. ) XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 10. ) XXXX 11 ) XXXX XXXX XXXX XXXX XXXX 12. ) XXXX XXXX XXXX XXXX 13. ) XXXX XXXX XXXX -paid off 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16. ) XXXX 17. ) XXXX XXXX # 18 ) XXXX XXXX XXXX XXXX 19. ) XXXX 20. ) XXXX XXXX XXXX XXXX XXXX 21. ) XXXX XXXX 22. ) XXXX XXXX XXXX 23. ) XXXX XXXX XXXX 24. ) XXXX XXXX XXXX XXXX 25. ) XXXX XXXX 26. ) XXXX XXXX XXXX 27 ) XXXX 28 ) XXXX XXXX XXXX XXXX XXXX  29 ) XXXX 30 ) XXXX 31 ) XXXX XXXX  32 ) XXXX XXXX XXXX 33 ) XXXX XXXX XXXXE 34 )
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX XXXX {$1300.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this dispute against XXXX due to the incorrect information that is being reported by XXXX and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and Equifax and I have received dispute results stating that XXXX  verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX/2016.
Complaint sub-issue: Reporting company used your report improperly

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. 

I request that this information be blocked and removed immediately.
Complaint sub-issue: Frequent or repeated calls

Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. 
XXXX numbers that call appear to be local XXXX and XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After reviewing credit reports noticed an unfamiliar derogatory account from EOS CCA on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Complaint sub-issue: Debt was result of identity theft

I Received a Summons and complaint XX/XX/2017 from XXXX district court from Discover Bank Attorney in, in the amount of {$6000.00}. 
- I have reached out to discover on numerous occasions and reported that this was not me nor is the debt incurred mine, they have yet to validate my debt. I have also informed them that my identity was stolen and I have Documentation from the police and also the IRS to prove so. 
I have sought counsel in regards to this matter. 
I have also checked My credit report and I have no debt from Discover on there either.
Complaint sub-issue: Can't close your account

I attempted to close my account with Citi Bank on XX/XX/XXXX. They told me it was closed and sent me a refund check for over payment of {$0.00}. After receiving that check I called and asked about the return of the deposit of {$200.00} that was required to open the account, and would be returned when the account was closed and all debts were paid. They told me it would take 30 ( thirty ) days for the to send it out. That would have made it XX/XX/XXXX. I called to see if it was sent out and they told me no that it would need 60 ( sixty ) days to be sent out. I am tired of this run around. I believe they have no desire to return my deposit as I have had so much trouble with them in the recent past on over  billing and made up interest charges. Please help.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On or about XX/XX/2022, I visited the Citi Bank in XXXX, FL. The purpose for my visit to Citi Bank was to try to obtain a secure credit card subsequent to credit sabotage connected to identity theft and fraud. I am trying to fix a problem I did not create. I met with an otherwise professional and pleasant Citi Bank representative. We engaged in substantial conversation. I would like to make a disclaimer statement and say I did not receive the Citi Bank representative 's questions as malicious. I am submitting this Consumer Financial Report Bureau complaint to officially request the immediate cease of asking consumers prohibited questions under law to eliminate liability in connection to the approval or denial of requested products, goods and services. Bankers, credit Lenders, housing representatives etc., have asked me questions related to : sex/gender, marital status, race, color, religion, national ( and/or ethnic ) origin, and/or age prior to applying for products, goods or services. This is illegal and unfair, even if the bank 's reason to approve or deny products, goods, or services are legitimate. The continuation of the practice of asking consumers prohibited questions greatly jeopardizes the integrity and credibility of the entire business and employees within the establishment. The consumer can not help but wonder if they provided the " wrong '' answer resulting in the following denial of services and the doubt is caused by the employees asking the prohibited questions, and creates credible liability. According to the Equal Credit Opportunity Act financial institutions and other firms engaged in the extension of credit are REQUIRED to make credit EQUALLY available to all creditworthy customers without regard to sex/gender/orientation, marital status, parental status, race, color, religion, national/ethnic origin, and/or age. As the consumer, financial institutions are required to provide consumers with any and all applicable disclosures, rights, and notifications in good faith in honoring Consumer Credit Protection Act as well as other laws. It is best practice for all bankers, credit lenders, and housing representatives to cease asking consumers prohibited questions that are irrelevant to the direct product, goods, and services at any time to avoid liability and maintain the integrity, and credibility of the business application process. According to the regulation the treatment of consumers who have initiated the application process is considered even before the application is started. Bankers, Lenders, and Housing representatives must NOT take ANY action that would discourage anyone from applying for a loan/credit, product, goods or services. In my case, Citi Bank denied my good-faith request for a secure credit card AFTER I was asked the prohibited question ( s ).
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Complaint sub-issue: Their investigation did not fix an error on your report

Complainant XXXX XXXX XXXX XXXX XXXX. ( XXXX ) hereby files the following Dispute objecting to the inclusion in his personal consumer credit reports the following information that is inaccurate as described below. Despite an investigation by Equifax, XXXX XXXX Bank ( XXXX XXXX ), purportedly " verified '' the disputed information. Some changes were made to XXXX  's personal credit report as a result of the Equifax Dispute, however, XXXX XXXX, despite being advised by XXXX of the inaccurate information continues to report false and inaccurate information. 

XXXX XXXX Bank 's own Online Statement of Account ( SOA ) unequivocally proves that XXXX XXXX did not accurately report to Equifax, or the other CRAs, the information contained in XXXX XXXX 's online SOA. 

This is the disputed information that XXXX XXXX reported to Equifax yesterday, XX/XX/2022. 

1. XXXX  XXXX Bank reports that as of XX/XX/2022, XXXX  has an outstanding balance of {$94.00} when the SOA proves that XXXX  has a balance of ( - {$1.00} ). According to XXXX XXXX 's own information, XXXX XXXX owes money to XXXX, and XXXX XXXX Bank knew this when it reported to the CRAs that XXXX  owed {$94.00} to XXXX XXXX. 

2. From information provided to the CRAs in prior updates, XXXX XXXX never reported that XXXX  was past due. XXXX  makes it a pattern and practice to pay off accounts within 60 days. However, XXXX XXXX falsely reports that XXXX was past due for 30 days in the amount of {$46.00}. 

First, XXXX  never owed XXXX XXXX a debt of {$46.00}, as evidenced by information reported by XXXX Bank to the three national CRAs. Additionally, XXXX XXXX Bank 's Statement of Account proves that XXXX XXXX Bank failed to report that XXXX  made a payment of {$29.00} to XXXX XXXX Bank on XX/XX/2022. In addition, XXXX XXXX Bank never credited XXXX  's account for the payment of {$29.00}. XXXX XXXX also did not report this payment to the three CRAs, including Equifax. 

XXXX XXXX continues to report that this is an open account. However, because of XXXX  XXXX 's pattern and practices, such as those represented herein, when XXXX  made the payment of {$29.00} to XXXX XXXX, he told XXXX XXXX  that he wished to close his account. This telephone conversation was recorded by XXXX XXXX. XXXX  wished to record his conversation with XXXX XXXX, however, XXXX XXXX refused to authorize being recorded -- even though XXXX XXXX acknowledged that it was recording the conversation.
Complaint sub-issue: Account status

Since XXXX2013 XXXX XXXX is not to be on my credit reports! All of the student loans went to XXXX XXXX XXXX and are closed and XXXX. I have been sending proof of this since XXXX2013 over and over and over at great expense. Nothing has changed except now it is like there is double the student loans. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX 's say " transferred to another office '' ( as if! XXXX is not their office, we know it is but technically it is not ). They also have " late payments '' AS IF! ALWAYS IN DEFERMENT UNTIL XXXX FINALLY GOT THEM AND XXXX, CLOSED. XXXX XXXX should not be on any of my credit reports. They are gone, forever. It makes it look like there are XXXX different student loans! All of the info XXXX XXXX puts on my credit reports is wrong, and has been wrong for years and years, but this is even worse since they are out of my life forever! None of the credit bureaus does a thing about it even after they have received the proof from XXXX XXXX XXXX at least XXXX. GET IT OFF! In addition, this XXXX co. has repeatedly put " opts out of offers '' NO I DID NOT, NOT EVER, I WOULD LIKE OFFERS. Since XXXX2013 have said get that off, they continue to put that on!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Can't use card to make purchases

I reported unauthorized charges on my account and there was also late reporting of late payments to credit bureaus which I disputed. I order a new card replacement after the dispute and have not received one for months. 

There is also random charges when there was not a balance on the account. 
XXXX/XXXX/XXXX Minimum Interest Charge Fee {$2.00}  XXXX/XXXX/XXXX Late Fee - Payment Due On XXXX {$2.00}  XXXX/XXXX/XXXX Interest Charge On Cash Advances {$2.00}
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2020 I went to XXXX XXXX. I paid via insurance and supposedly still had a copay although my deductible was reached for the year, my insurance paid all costs. It was sent to collections and I never received any emails, letters or phone calls regarding this collection. When I tried contacting Receivable Management Systems, they did not answer. Their website is a scam, reviews state this is a food restaurant. I have tried disputing this a few times. I would like this to be removed.
Complaint sub-issue: Account information incorrect

i have fully paid XXXX their balance of {$130.00}. The information that is being reported on this account is inaccurate and in effect hurting my consumer credit profile and score. The presence of this inaccurate information is affecting my financial wellbeing and needs to be corrected immediately. This account should have never being sent to collections and i want the CFPB to supervise in the deletion of this account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Since signing up with XXXX XXXX last XX/XX/2017, I have come to realize that after paying XXXX XXXX {$2000.00} I have been defrauded of my money, because I was NOT provided the service as was described to me, that is the reason for this dispute! 

It is my belief that not only was I was taken advantage of because I was gullible and older and couldnt remember that way they could. But that he knowingly sold me services under false pretenses. 

I saw a XXXX ad about opening an online store, I decided to check it out, thinking it would be a good way to make money since I am no longer able to hold down a job due to my physical problems. I later received a high-pressure sales call from a representative. He talked about a Blog content and Custom Logo, to establish my online e-commerce business. 

I quickly explained I hadnt any money, he asked if my credit was good and talked me into obtaining more credit cards to pay the {$2000.00} he was asking for. I have not made any money and now I am left with severe credit card debt that I cant afford to pay back. 

I read an article from the FTC about their ongoing investigation with companies such as this one. Please help me get my money back from this company.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  violated 15 u.s.c.1681 ( 2 ) I report containing information solely as to transactions or experiences between the consumer and the person making the report by reporting late payment and utilization history
Complaint sub-issue: Debt is not mine

ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the above alleged account and reported late payment, as well as outlining how your company violated my rights as a consumer under 15 usc 1681. The subsections you violated are as follows : 15 usc 1681- ( a ) ( 1 ) 15 usc 1681- ( a ) ( 2 ) 15 usc 1681-a ( 3 ) 15 usc 1681-a ( 4 ) 15 usc 1681b. ( 2 ) Your company ( Equifax ) responded alleging that the referenced account ( s ) were verified on XXXX XX/XX/2022. Now I am requesting my entire consumer credit file and report, as well as exercising my right under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? 
Which associate did you speak with? 
Which friends did you speak with? 
Which acquaintances of mine did you speak with? 
Was the information that you received factual? 

Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently be removed from my consumer report. 

Your company shall immediately cease and desist any and all collections of this alleged debt because you no longer have the right to assume it is valid since I have already disputed the entire amount in my previous letter.
Complaint sub-issue: Debt is not yours

I hit debris in my car on a n Interstate highw ay on  XXXX   XXXX ,  XXXX  because another driver did not tie down materials on a trailer being towed behind a pickup truck, my understanding  is 6 cars  were disabled from the trailer debris. My insurer  XXXX   XXXX  had me tow the car to a nearby repair shop and I had to make accommodations to stay overnight and proceed home in the morning, I was  2 h ours from my house after  XXXX  on  XXXX   XXXX ,  XXXX . I incurred expenses and when I contacted  XXXX   XXXX  about expenses, they told me to pursue reimbursement from the insurance company of the driver of the truck and trailer who was responsible for the accident.  XXXX  was the insurance company of the driver responsible for the accident,  XXXX  stated they had  XXXX  claims from this accident and a limit on pay out so they would divide the payment to all claimants.  XXXX  mailed me a check for {$1600.00} on  XXXX   XXXX   XXXX . I picked up my car from the repair sho p 2 ho urs from my house on  XXXX / XXXX / XXXX  after paying a {$500.00} deductible.  XXXX   XXXX  billed me for cost of repairs of my car on  XXXX / XXXX / XXXX , I sent  XXXX   XXXX  a letter on  XXXX   XXXX ,  XXXX  stating that  XXXX  sent to me a reimbursement check for expenses.  XXXX   XXXX  never responded to my letter and turned it over to the  AFNI Inc coll ection agency in  XXXX  of  XXXX . The collection Agen cy ( AFNI Inc. ) s ent an invoice to me which I responded to with a letter on  XXXX   XXXX ,  XXXX  stating that I dispute the validity of the debt and aske d AFNI Inc. not  to contact me until they provide documentation that supports their belief that I owe this deb t. AFNI Inc  has not responded to my letter and have been leaving messages on my phone and sending threatening letters affecting my credit rating.