Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Problem with statement of dispute

Inquiries on credit report disputed and XXXX did not provide proof of verification.
Complaint sub-issue: Trouble getting information about the card

I have five visa debit gift cards that I am trying to find balances of and I am unable to do so at the website found on the card : XXXX  Each time I enter the card number, it indicates " One or more field values entered are incorrect. Please try again or call XXXX for assistance. '' This is happening for all five debit gift cards, to which I have called the phone number and the automated voice tells me that there is a problem and to try again at another time and disconnects. I am unable to talk to a customer representative and I am unable to find out the balances on the cards. Furthermore, a {$2.00} inactivity fee is deducted from the balance of the card after 12 consecutive months of inactivity. The name of the issuer : U.S. Bank National Association.
Complaint sub-issue: Their investigation did not fix an error on your report

I have explained to several people at Equifax that this account for XXXX XXXX XXXXXXXX does not belong to me. I keep explaining and speaking to people off shore each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report as they requested.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuses to update/remove an outstanding debt of {$65.00} to XXXX XXXX. A copy of the money order was provided and XXXX XXXX  contacted them to confirm the debt was satisfied however they refuse to update the information.
Complaint sub-issue: Reporting company used your report improperly

I have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see on my credit report
Complaint sub-issue: Funds not handled or disbursed as instructed

1.On XX/XX/XXXX, through Discover Online Saving 's Transfer Money function, I initiated an ACH deposit of {$50000.00} from my XXXX checking account to Discover. Due to the insufficient fund in my XXXX checking account, this tranfer failed. ( From XXXX transaction : RETURNED ITEM FEE FOR AN UNPAID {$50000.00} ITEM - DETAILS : DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ). 

2. On XX/XX/XXXX, after I saw the transaction of XX/XX/XXXX transfer failed showed in Discover account, I made a {$50000.00} ACH deposit transfer from XXXX to Discover, and this time the {$50000.00} fund left XXXX ( XX/XX/XXXX DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ) and arrived Discover Saving on XX/XX/XXXX. 

3. On XX/XX/XXXX, I noticed from Discover account, Discover issued a reverse ACH deposit of {$500000.00} to XXXX without my authorization. I called Discover in the same day to check, and was told the reverse deposit is for the transaction I made on XX/XX/XXXX, even though they did not received any fund due to insufficient fund, they still somehow posted it in my account. Therefore, I was told nothing need to do as they already received the {$50000.00} ACH deposit on XX/XX/XXXX. Note : I never received any Reverse Deposit from Discover in my XXXX checking. 

4. On XX/XX/XXXX, I noticed that Discover issued another Reverse Deposit of {$50000.00} to my XXXX checking without my authorization again. I called on the same day again, and this time I was told a different story : The Reverse Deposit of {$50000.00} on XX/XX/XXXX is for the failed transfer on XX/XX/XXXX and I should received it in up to 3 business days. The previous Reverse Deposit on XXXX is for the transfer on XXXX! Again, I waited a week, no any Reverse Deposit hit my XXXX checking. 

5. I made 3 more following up calls to Discover to try to locate my {$50000.00} fund and the latest one is on XX/XX/XXXX with ref # XXXX. The latest they told me is that the {$50000.00} has left Discover and is with their " middleman '', and I have to ask XXXX to request it from this " middleman '' to get my money back! This is so ridiculous to me and to XXXX ( I talked with XXXX, they do not have such procedure ) .I tried so hard to ask help from Discover and ask them to escalate this BIG SYSTEM ISSUE to their upper management, and was told that all XXXX upper leaders at Discover provided the same solution, which is no solution and Discover has nothing to do to get the money back to Discover or XXXX. They refused to continue on my case. 

6. During the time of long conversation with Discover representatives, I also learned the similar SYSTEM ISSUE happened not on myself, but also other customers. I am so worried about my missing {$500000.00} day and night. As of today ( XX/XX/XXXX ), there is no any help from Discover and my money is just gone!!!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax removed ( incorrectly! ) the most positive item on my credit report. On XX/XX/XXXX, I sent Equifax a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. They corrected one item, ignored one item, and decided one item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.
Complaint sub-issue: Not given enough info to verify debt

I have a major issue with a couple items that appear to be duplicate and outdated I have disputed these and I get no where. Please help AES/XXXX XXXX AES/XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

This complaint is related to complaints XXXX, XXXX, & XXXX, the last of which was filed yesterday. This involved a single alleged debt of {$110.00} which I have disputed with the company and which the company before today had reported to the credit agencies 4 separate times. In response to yesterday 's complaint, the creditor responded : " This account has been closed and returned to the original creditor. We will request deletion from the credit reporting agencies. '' However, I have just received notification from XXXX that the debt has been reported a fifth time today. Please see attachment. I'm pretty sure duplicate reporting of a single debt is illegal but now we are up to five times. 
This involves a disputed debt wherein XXXX charged me for a phone line that I never requested and never used. The contract that I signed with the company did not contain a phone line and the company 's records will show that no calls were ever made or received. Yet XXXX refuses to refund all overcharges because of the company 's " policy ''. In addition, the company is charging me for weeks of services that I never used after I cancelled my service and returned all equipment, contrary to the terms of the contract that I signed.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

here have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.
Complaint sub-issue: Information belongs to someone else

Ive reviewed my credit report and happened to come across some information that must be deleted
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Frequent or repeated calls

I get phone calls from conn ' s corporation several time a day they usually call from 4 different numbers calling me at least 5 times or more with in an hour.
Complaint sub-issue: Debt is not mine

Some used my social security number to get a XXXX account ( fraudulent account ) and did not pay. I contacted ERC informed them it was not my account to remove it from my credit. They requested proof with my credit report, ID and SSN. They informed me via email I would receive a claim packet to complete in order for them to investigate to remove the item from my credit report. After waiting for a week I received no claim packet. I contacted organization again and am given excuses they can not discuss it with me because its not my account. It should be removed from my credit but they refuse to investigate and to remove the item.
Complaint sub-issue: Information belongs to someone else

Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I have several items appearing on my credit report that are not mine and are the result of identity theft. The alleged debts are not mine. I am attaching a duly executed identity theft report/notice filed with the FTC. I am requesting XXXX Equifax and XXXX remove these items from my report. I have previously tried and they did not remove them.
Complaint sub-issue: Account status incorrect

I am writing to dispute the reporting of my student loan on all three credit reports, XXXX, XXXX, and Equifax. The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.
Complaint sub-issue: Didn't receive services that were advertised

No money is involved. I was notified that my personal info may have been obtained in an unauthorized manner. Resolution was 1 free year of credit monitoring which expired and a second year was promised. When I tried to call and re-subscribe I met with no assistance, rather deflection and non response. I was told to call another number which I did on 3 or 4 different occasions holding for hours ( even when told waiting time would be less than an hour ) never to be connected. 

Today XXXX XXXX, 2019 I received notice from Equifax of cancellation of services and will not waste another moment attempting to extend services as I believe this was a hoax on their part all along. The cancellation notice gave the number XXXX. 

I repeatedly requested they call me and it never happened.
Complaint sub-issue: Their investigation did not fix an error on your report

I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XXXX 2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XXXX 2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.
Complaint sub-issue: Frequent or repeated calls

I am having issues with citi bank on my sears card and XXXX XXXX XXXX  there is fraud on my accounts and they keep calling to harass me over and over they call over 10 times a day and think it is okay. They refuse to listen and ignore any letters and faxes sent by us. They threaten to charge the debt off and put it on our taxes when over 99 % of the amounts were fraud and they sent us papers and we told them to stop calling and they refuse to. I am sick and tired of this because they are clearly breaking laws and they think it is okay. We want them to work with us and apologize for things and send us a written letter about things and such. They only call and refuse to send us anything in writing about the debt only when we request it they keep finding it to be a real debt when it is not just because the card was used the chip. Anyone can clone it and it is really not that hard like they think. Plus we had issues with another person under by name as well. I am very mad about this and they are breaking multiple laws and I want compensated for the laws they are breaking we are getting a lawyer because of the fake things they say are true.
Complaint sub-issue: Investigation took more than 30 days

To Whom It XXXX Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to granXXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX/XXXX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.