Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I had a Judgement listed on my credit reports. I settled the Judgement on XXXX. I tried to dispute the Judgement online to have it removed from my Equifax credit report. I was not able to do it online, their system could n't find my information. I was then instructed to fax a copy of my drivers license, credit report, and the information about my dispute. I faxed them XXXX pages on XXXX. I have had no response from Equifax and the Judgement remains on my credit report. I would like to add that I disputed this Judgement online with both XXXX and XXXX and it was a simple process and took less than a week to remove. With Equifax it has been 30 days and I ca n't get a response from them.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to Equifax, XXXX  and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.
Complaint sub-issue: Debt is not yours

THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Complaint sub-issue: Debt was result of identity theft

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX # XXXX BAL : {$680.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I was an employee working for XXXX up until XX/XX/2018. During my time their the company assumed responsibility of my cell phone bill with XXXX XXXX XXXX. It was either have a work phone as well as a personal, or use one cell for both and the company would take ownership of the line. 

Once I left XXXX I was told by their HR department that I would not have to take any action regarding the phone line, that it would automatically cancel once my two weeks was over and I was no longer with the company. This was a relief because when attempting to cancel the line directly through XXXX XXXX XXXX I was told by the phone company that I had no access to make changes to the phone line, including canceling it, because it was not in my name anymore but XXXX. 

So months go by, the phone line has been cancelled and I am with a new provider when I check my credit on my free App and it has a collection in my name for {$200.00} owed to XXXX XXXX XXXX. I was never contacted via phone, mail, or any other way by XXXX XXXX XXXX letting me know what was going on by the debt collector because they simply had incorrect address and phone information. I called XXXX XXXX XXXX to gather information about this money owed, from what months, for what services, and they could not disclose any details with me. This is because it was not considered my phone line, but XXXX, and they could not disclose any information to me. 

I have the right to dispute collections and so I did and disputed it with all three credit bureaus based on these facts. All have removed it from their reports except for Equifax. They seem to refuse to consider that I never owed a debt, and if I did was not given proper notice of a debt owed prior to being sent to collections, or the I had a collection because XXXX  had very old contact information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This issue has been dragging on for over 6 months now. I am exhausted trying to come to a conclusion but everybody including my credit card is playing ping pong and referring me from one department to another. 

I order furniture set from XXXX XXXX XXXX. I actually purchase in-store, paid with my credit card. I paid for white-glove service which is the when everything should be shipped to home and assembled. 

XXXX XXXX 's delivery was a complete mess on delivery day with delayed shipping dates, delivered damaged goods, and intentionally stopped responding to our communication attempts. We tried phone calls countless times. 

Once we started a dispute with credit card - Discover - XXXX XXXX, General Manager reached out and asked how they could rectify the situation. After speaking she understood the situation is a mess and suggested to have all items returned because of the negative experience with damaged and delayed shipping goods is unacceptable. However, it has been several months and still no one has communicated with me in regards to furniture pickup updates as we spoke about. 

Discover in my dispute portal finally stated dispute is resolved in favor but did not credit me my full dispute amount and instead charged me. I am so confused. If the dispute is in my favor then why should be charged for the damaged and delayed goods it should have been returned by now but again no one is communicating appropriately.
Complaint sub-issue: Reporting company used your report improperly

I reached out to all 3 credit bureaus ( XXXX, Equifax, and XXXX ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem with fees

To whom it may concern I am writing to formally complain about Citi bank and their disregard for what is happening to their clients. I have a Citi credit card with a balance and have been seeking assistance from Citi.I have never missed a payment and have perfect credit. I was asking for interest deferral to buy some time to pay down the card .I am self - employed and have lost all of my work and income. I do not want to differ payments as the interest will still accrue, that really doesnt help. All of my other banks, car payments, other credit cards and loans have all stepped up and deferred payments and interest. 
Someone with the authority to look into their practices need to ask them why they need to collect interest when people are a couple months away from losing everything. It is a shame that Citi cant come up with a better solution. 
Please help with this matter in any way you can as I am sure there are thousands upon thousands of people being bullied and strong armed by Citi .Shame on them for not being better corporate citizens, obviously they are not concerned with anything but their interest earned on hard working people who desperately need assistance in theses unprecedented and difficult times. 

Thank you for your time and consideration.
Complaint sub-issue: Account status incorrect

Hello, In XXXX, my Macy 's credit card was closed with a XXXX balance due to inactivity. Fast forward to XX/XX/XXXX, there was a default listed on the account for {$4.00}. This {$4.00} charge was not reported to me at any point within the timeframe of XXXX. There were also no defaults listed on any credit checks during those times when I purchased a car, or applied for other loans. 

I called Macy 's on four separate occasions to resolve this issue to no avail. Since the account was closed, they could not even locate me in the system. I was hung up on twice. The final time I called, Macy 's advised me that they would be " zeroing '' out the charge since it was so old. I asked them to not do that as I wanted this to be resolved correctly. 

I filed a credit bureau dispute with XXXX and when I received the findings, XXXX concluded that Macy 's was " reporting the information correctly ''. Funnily enough, Macy 's made changes on my report that show the date the delinquency was first reported was in XXXX. This date was *NOT* previously on the report. In other words, they are retroactively covering their tracks. 

I appealed the dispute and the XXXX representative understood my reasoning and added specific timelines and explanations to the appeal. I just received the appeal findings and the initial results remain.
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/2018, XXXX and XXXX are reporting YET Equifax is not reporting stating they couldn't verify identity even though they received a faxed copy of State Issued IDs. I am attempting to refinance and the loan officer needs 3 bureaus. Customer service was very hard to understand and very rude asking impossible to remember questions. When asked to tell me their name they made up a name. When asked to transfer to a supervisor, after a 20 minute hold ... .he was not willing to help in any way either. Time is of the essence and Equifax is unwilling to help get my credit report. I need an advocate!! Please help.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I submitted a dispute and documentation for unauthorized inquiries to be deleted off my credit report. On XX/XX/2022, I got a reply saying these inquiries were deleted off my Equifax credit report. When I check my credit today, on XX/XX/2022, the inquiries are still there. Attached is verification that these inquiries should not be on my report. 

Inquiry : XXXX should be deleted from my Equifax report XXXX 
Inquiry : XXXX should be deleted from my Equifax report XXXX
Complaint sub-issue: Unable to open an account

There have been 2 inquiries made on my XXXX XXXX report by Citibank XX/XX/XXXX and XX/XX/XXXX without my knowledge or authorization. Ive never attempted to open an account with this bank. Ive noticed this bank via phone and email on several occasions and have been given different answers each time. The last phone conversation was on XX/XX/XXXX and I was assured that these unauthorized inquiries would be removed. 2 months have passed and they are still on my file
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In early XXXX, XXXX, I had a numerous fraudulent charges on my Citi Double Cash Credit Card after visiting XXXX XXXX XXXX XXXX. Citi refunded the fraudulent charges and refunded me the credit of {$300.00} in XXXX, XXXX. Subsequently, I received a statement that I owe Citi {$840.00}. 

I have called 5 times since XXXX, XXXX to gather information on these new charges. Citi is not able to explain the {$840.00} in new charges. I tried again on XX/XX/XXXX to call Citi and after holding for 30 minutes, I was told that no customer service representatives are available at this time. 

I request assistance to correct the fraudulent charges so I can cancel my account. 

XXXX XXXX, MD XXXX XXXX XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Unable to open an account

I did go into XXXX XXXX Bank to report my atm card lost or stolen. I did file the bank person. So do i owe for it? I also know who stole my atm card from US Bank. His name is XXXX XXXX. He had taken my purse. I was unable to make a police report.
Complaint sub-issue: Information belongs to someone else

SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2022, XXXX XX/XX/2022
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have requested a copy of the document I signed giving them the right to check my Credit. They have  refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Complaint sub-issue: Their investigation did not fix an error on your report

Why won't you remove these items? 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to remove. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

I was denied Employment due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

There are two accounts which first of all were closed in 2016 AND ARE NOT MINE AND HAVE HAD DOCUMENTATION TO PROVE SUCH!! Funny thing is, Im trying to buy a house now, and all of a sudden the information has the dates being closed 2 years ago and 2 1/2 years ago respectively! This is XXXX and I will be contacting the ombudsman because first theyre not legitimate charges and secondly who in the XXXX  $ & do yall think tou are???
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX, never authorized and or do not recognize these inquiries on my credit report from XXXX, OpenRoadLending LLC, and XXXX ( I have no clue what this is. ) on date XXXX XXXX, XXXX. I am not in search of a car loan and or refinance as I recently purchased and opened one in  XXXX of XXXX. Nothing was done purposely for my credit to be pulled.
Complaint sub-issue: Problem with customer service

Ive requested that Mohela send me a refund for my student loan payments over a month ago and havent heard back from them or received my refund.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX  . XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
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 {$8300.00}. 
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 ACCOUNT -- 1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.