Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

Hello, I received mail yesterday ( XX/XX/XXXX ) from " Afni , Inc '', a debt collector company, regarding an owed bill from XXXX in the amount of {$650.00}. I immediately called XXXX, and upon calling the customer service number for XXXX, I was told that I have a balance of {$920.00} on my account. 

However, this is incorrect, and I am confused about this situation. I was a XXXX customer 2 years ago, but when I got divorced in XX/XX/XXXX, I returned all XXXX equipment and discontinued all services when I sold my house in XX/XX/XXXX. 
I moved to a new house in the same month of XX/XX/XXXX, and after moving, I never requested or continued XXXX service. However, XXXX still continued to charge me for service in my old house on my account. 

I don't owe XXXX any money. I called XXXX multiple times, and I explained my entire situation, but nobody was able to resolve this issue, and I was constantly transferred from person to person during the phone call. 

This issue hasn't been solved. During the call, they just expressed that they understand my situation and apologized to me, however nobody was able to fix my problem. 
This unfair situation due to a mistake on XXXXXXXX XXXX part is causing me a lot of distress, and I want to get to the bottom of this issue and have it taken care of immediately. 

Please get back to me on how you can resolve this, thank you.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days and almost 60 days later I have still not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they need to be removed immediately! I demand these inaccuracies be removed immediately or I will file for litigation due to the stress you have caused me. I am trying to get a mortgage to buy a home for my family and this is holding me back. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was expecting to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( Account, 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
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax signed me up for recurring payments and does not allow me to cancel the membership. There is no online support or online option to cancel, and calling their phone number is pointless - you get no response. 
Today XX/XX/30 is another billing date and I just want the recurring charges to STOP NOW. 
They are asking absolutely ridiculous vague security questions such as did you ever have a department credit card ( I have XXXX, XXXX XXXX, XXXX  etc.. ) and what the monthly charges were.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/22 : Purchase made from XXXX XXXX XXXX FL for a water cruise. Since the weather was bad at the location, cruise guide at the location tried to call the operator, but operator did not respond. Next day, the operator offered credit for another cruise another day. Since we were on vacation and could not accommodate the time another day asked for a refund. They refused. 

XX/XX/22 : Opened a dispute with Citi XXXX- the credit card company XX/XX/22 : Merchant responded stating they are third party and just does the billing and not responsible for the refund and contact the operator. 

XX/XX/22 : City card decided customer ( that is myself ) responsible for the charge.
Complaint sub-issue: Report improperly shared by CRC

I have a loan pending with XXXX for a refinance. Since XXXX, XXXX inquiries have been made by XXXX and Equifax Mortgage Services on behalf of XXXX. 
I never authorize excessive credit checks by XXXX and Equifax Mortgage Services on behalf of XXXX. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files ( XXXX, Equifax and XXXX ). Thank you.
Complaint sub-issue: Personal information

1 ) EQUIFAX reports one of my previous addresses incorrectly : XXXX, NY XXXX The correct address is : XXXX, NY XXXX XXXX ) EQUIFAX & XXXX XXXX report incorrect Employer and previous Employer. My current Employment status is RETIRED and Previous position was Owner of XXXX 3 ) XXXX & XXXX report XXXX Collection Account. I had a Judgement due to a tax dispute with NY State where I failed to persuade NY State to agree with my arguments. The authorities filed a judgment with the XXXX County Clerk which I immediately paid and the judgment was satisfied. This is not a unpaid collection account. 

4 ) The number of ALL, REVOLVING ACCOUNTS & OTHER ACCOUNTS reported by the XXXX agencies differ from each other. 

I request that these errors are corrected asap.
Complaint sub-issue: Investigation took more than 30 days

I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from XXXX XXXXnd Equifax XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of  the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE  VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any  information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from Equifax. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because Equifax should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.
Complaint sub-issue: Account status

I had an account with XXXX XXXX. In XXXX 2014, the account was closed because I moved. Later, they sent me a refund check in the approximate amount of XXXX. I never heard from them after that. Recently, I received a collection notice from XXXX XXXX XXXX. I then contacted XXXX during the validation notice period and paid the account in full. I was told the account would NOT result in a negative entry on my credit report. Several weeks later, XXXX reported the collection account. I contacted them and explained that the account was paid, provided them with proof of payment, and was told the entry would be deleted. As a back up, I filed a dispute with Equifax , including the proof of payment with the dispute. Equifax said they verified that the entry was being reported correctly, in spite of proof of payment supplied to them. 
XXXX XXXX, XXXX, and Equifax are responsible for an entry on my credit report that has severely lowered my credit score. In spite of direct verified proof that the entry is inaccurate, and in spite of repeated attempts by me to resolve and remove the entry, they refuse to delete the inaccurate entry, and I have been damaged.
Complaint sub-issue: Changes in terms mid-deal or after closing

I applied for a vehicle loan at Carvana on XX/XX/XXXX. The next day I was advised that I just needed to have my Chapter XXXX dismissed and re-submit the application which I did on XX/XX/XXXX. When I went to re-submit, they were having technical issues that prevented the submission ( code 400 ). The customer advocate submitted a tech support ticket and the issue was resolve on XX/XX/XXXX. 

I successfully re-submitted as was told that I just need to submit additional documents by XXXX XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I sent in the requested documents ( insurance affective for XX/XX/XXXX and XXXX income documents. ) At XXXX XXXX but was not able to delete the old documents, therefore having duplicate documents attached. I then contacted customer service to verify. 

Later that evening at the end of their business day, I received an email from underwriting stating that I DID NOT MEET THE DEADLINE. I contacted a customer advocate, supervisor and team leader who ALL stated that they did not see why the underwriter did not open the updated documents. I told them that it ha to be either more technical issues on their end or the underwriter was rushing to leave for the day. After escalating to management, I was reassured at XXXX on XX/XX/XXXX that " no worry-you will receive your vehicle on XX/XX/XXXX as expected ).
Complaint sub-issue: Reporting company used your report improperly

I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Complaint sub-issue: Didn't receive notice of right to dispute

I have contacted this company at least three times since seeing the debt collection on credit report, XX/XX/2022. The first time I contacted them was on XX/XX/2022. I have tried to dispute this debt via XXXX XXXX, as well. When I contacted the company, I was interest in the amount of debt and getting any information about the debt such as the original contract with my information on it, the creditor information, payment history ( itemized bill ), and the proof of ownership for the account. I am actually in the process of writing a letter to the company instead of doing it verbally as I have been doing it. They are in violation, as it has been more than 30 days since I asked for any of the above information. This violates the Fair Credit Reporting Act.
Complaint sub-issue: Problem getting my free annual report

I attempted to request copies of my annual credit report and received different convenient excuses why the XXXX agencies would not produce the report as required by law.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XX/XX/XXXXwith ACCT # XX/XX/XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX I mailed a certified dispute letter to Oxygen XL and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 10 complaints on XXXX they also have 5 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Complaint sub-issue: Information belongs to someone else

There are three accounts on my credit report that do not belong to me I have tried dealing with the bureaus as well as the furnishers but they will not help me out. I have not signed or authorized or own any cards like these I need them off my credit report ASAP!!! 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account.  There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with  a new account number.
Complaint sub-issue: Account information incorrect

I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.
Complaint sub-issue: Attempted to collect wrong amount

They added a negative line to my credit for a bill that the insurance paid. I never even received the overdue bill from the hospital prior to them applying it to my credit.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau 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 accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX/XXXX XXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX  XXXX XXXX Balance Owed : {$1100.00} Date Opened:XX/XX/XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I'm filing a compliant due to the Federal Reg that a company is required to notify the consumer about a decrease credit limit on their acct. I paid my acct in full on XXXX XXXX and the account limit was XXXX ; however, I logged onto the account on XX/XX/2020 and discovered that my credit had been decreased to XXXX. I have called to get in touch with customer service but stayed on hold for 45 minutes and called dropped. Im currently dealing with ramification of the corona virus and this is real sad that Macy 's just dropped my limit without sending me notification within 30-45 days of the change as well as effecting my credit score to decrease dramatically.
Complaint sub-issue: Information belongs to someone else

Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my XXXX XXXX and needs to delete immediately : Date of Birth : XX/XX/1990
Complaint sub-issue: Their investigation did not fix an error on your report

Account never Late and paid in full.
Complaint sub-issue: Information is not mine

I have seen at least XXXX credit inquiries on my Equifax credit report from car company 's. I have NOT filled out ANYTHING from a car company. My last credit application was to XXXX. I do n't know who is making these hard inquires from these car places, but I want it stopped and removed! I have also written a letter to the credit bureau which will be sent out today.
Complaint sub-issue: Debt is not yours

My personal information was exposed in several major data breaches, including XXXX and XXXX data breaches. There is a now an unverified, inaccurate and false collections debt listed on my three credit reports that does not belong to me. Bay Area Credit Services sent me a collections letter in early XX/XX/2022 regarding a {$320.00} debt with XXXX ( XXXX XXXX XXXX  ). Within 30 days, I immediately responded and wrote a letter to Bay Area Credit Services on XX/XX/2022, via certified mail with delivery confirmation, disputing the validity of this debt and demanding verification as required by law. Instead of complying with the Fair Credit Reporting Act and providing documentation as required, Bay Area Credit Services illegally reported the unverified and fraudulent account to the three credit bureaus without investigation or verification documents. I am demanding removal of all inaccurate information from my credit reports, specifically the unverified Bay Area Credit Services collection account in the amount of {$320.00}. As they are aware, I have filed a police report and identity theft report with the Federal Trade Commission and provided copies of the report to Bay Area Credit Service, XXXX, XXXX and XXXX. As required by law, the unverified and inaccurate account should be removed from my credit reports.