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

catagory needs to be ''CREDIT REPORTING FRAUD, LYING '' AND THIS IS NOT THE SAME COMPLAINT SO I AM REPOSTING IT, BY THE WAY ITS OVER 2 MONTHS SINCE RESPONDED TO SO WHERES MY XXXX, XXXX CRIMINALS PROTECTED BY THE CFPB AS USUAL, THERE HAS NEVER BEEN ANY VALIDATION OF PROOF OF ANY DEBT, A STATEMENT IS NOT A DEBT, A ''BILL '' IS A DEBT AND SHOW ME THE ORIGINAL INSTRUMENT, THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX [ XXXX XXXX XXXX XXXX ] XXXX IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF  ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,
Complaint sub-issue: Debt is not yours

I have asked XXXX XXXX XXXX for proper validation of debt NUMEROUS of times. The company 's responses have been copies of an old bill. Their responses are not proper validations of that debt. I have explained to the collection company that the debt is not mine and that I was with another carrier at the time of the date of the computer generated bill. Because I have had numerous fraudulent accounts pop up on me, I have an extended 7 year fraud alert currently on my file with all three Credit Bureaus. I am fed up and will have to judicially file against this company for allowing this fraudulent account to be connected to me.
Complaint sub-issue: Received bad information about my loan

For the past few years, I have been making payments on my student loans through the IBR system. I applied for REPAYE, which would reduce my monthly payments from about {$410.00} to {$270.00}. Before starting my REPAYE payment scheme, however, they charged me a single month on a 10-year repayment plan. This was {$1600.00}. They never told me that this would happen. It completely negates the monthly cash flow advantage of switching to the REPAYE program.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried several time to inform the credit companies ( XXXX, Equifax, & XXXX ) about unauthorized hard inquiries ( 1 ) XXXX XXXXXXXX  ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( 3 ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX ( 9 ). XXXX XXXX XXXX ( 10 ) XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my XXXX CFPB complaint informing the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These items are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an the identity theft.
Complaint sub-issue: Account status incorrect

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX  - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem with fees

I opened a Best Buy credit card account in 2012. At the time, the account was serviced by XXXX XXXX. At some point, the servicer changed to CitiBank and it remains Citibank. Since a few months after the account was opened, unbeknownst to me, the account was charged a " debt protection fee '' each month. I attempted to resolve this issue by contacting Citibank. It is their opinion that I signed up for this " service '' at the time I opened my account but they can not provide any proof I enrolled in the " debt protection program '' and I would never sign up for such a predatory program. 

I never noticed my account was being charged this fee because I opted into e-statements only. The only way to see the fee is by downloading a hard copy of the statement. The fee does not appear on the simple online monthly account summary which shows all purchases, interest charges, etc. 

It is my opinion that the " debt protection program '' was added to my account without my consent and that XXXX XXXX/Citibank intentionally concealed the fees. I never signed up for the service and it is not something I would ever sign up for because frankly, the program does nothing to protect consumers but in fact serves only to maintain the account balance. If the account holder only pays the minimum balance each month, the balance will not decrease due to the fee.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, Equifax, XXXX, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX, nor XXXX   have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
Complaint sub-issue: Was not notified of investigation status or results

Hello! To whom it is concerned, I sent a dispute letter related to all recent inquiries that were inaccurate on my credit report to Equifax and they have not yet responded to me of any results are verified the information for me. I know for a fact that these inquiries are not accurate. Not only have they not responded to me within the 30 day window, but has not verified the information at all. Please have them to remove these hared inquiries immediately.
Complaint sub-issue: Debt was paid

I am a XXXX XXXX XXXX XXXX XXXX and have full insurance through the dept of Veteran Affairs. This company by the name of " Americollect '' has placed a collection on my report in the amount of {$690.00} for a debt saying it is from XXXX XXXX XXXX. As a XXXX XXXX  XXXX Veteran, the main benefit that I receive is health care. This company has not billed nor validated that the debt is truly owed. All bills in my name are to be forwarded to the XXXX VA XXXX Hospital, with my social as the reference number. This is terrible that this company would try to collect on an invalid medical bill debt from a XXXX Veteran with insurance. Anytime I have ever been treated outside of the XXXX VA, it has been for a service connected XXXX. I am not sure it is legal for this company to add their interest to a debt owed either. The military lending act and SCRA state a cap on added interest rates. The entire entry on my credit report is invalid.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus have been using my credit report improperly 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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, incorrect information was found 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 inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX )
Complaint sub-issue: Information is not mine

I have been disputing multiple collections that continue to report on my credit file. Of these collections, I have supplied the necessary documentation that would allow for Equifax to remove immediately. These collections are with XXXX XXXX XXXX, account numbers ; XXXX & XXXX. I am attaching a letter from the collection company that I received yesterday that Equifax has refused to remove accordingly.
Complaint sub-issue: Personal information incorrect

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Complaint sub-issue: Information belongs to someone else

I have contact Equifax XXXX and XXXX about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is Equifax sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted Equifax, XXXX, and XXXX who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.
Complaint sub-issue: Other problem getting your report or credit score

I check XXXX XXXX before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from equifax who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted equifax they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency
Complaint sub-issue: Old information reappears or never goes away

XXXX account is closed and over 10 years old needs to be removed from credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I didnt Authorize this company to run my credit On XX/XX/2021 2021
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Complaint sub-issue: Their investigation did not fix an error on your report

Misleading and inaccurate accounts appeared from my credit report. Mostly are fraudulent Medical debts without account names and from unknown sources which also violated HIPPA and also they can't just report health information from my credit report.
Complaint sub-issue: Information is not mine

XXXX XXXX The following account above does not belong to me, and this item is stopping me from getting a job.
Complaint sub-issue: Old information reappears or never goes away

Citicard CBNA. is on my credit report I do not own a citicard cnba
Complaint sub-issue: Problem with fees

On XXXX XXXX and XX/XX/XXXX I called Macys stating that my credit report XXXX, XXXX were reporting a incorrect of {$1000.00} and the balance of my account was 0.00. I visited my account on line and its shows a balance of {$35.00} dollars for interest. I called Macys again. on XX/XX/XXXX and I was told by the billing department that they will credit the 35.00 but they will. not correct the information. 
I am very upset since I paid my entire balance and it was before there statement closed so they should I reported a 0.00 balance. I want my credit report to be updated with 0.00 immediately.
Complaint sub-issue: Not disclosed as an attempt to collect

after talking on the phone with this agency, their practices were very unprofessional. ive read several complaints about them on the web.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I just went to both Equifax and XXXX XXXX Websites to dispute the fraudulent account that was just placed on my credit report ( s ) by XXXX for an account that has been disputed multiple times in the past and removed, but apparently the originator has once again sold it to a different collection agency instead of removing it completely because it is fraud. This time I am also going to file a complaint with the MD   Attorney General 's Office of Consumer Protection. 

Equifax and XXXX, first please get your XXXX to fix your websites, so that, in the age of covid-19, people can file disputes online vs getting an error message to call a customer service number that is likely overwhelmed by lack of staff support. 

Second, the XXXX account is the account, as said above, that I have disputed multiple times and it was removed from my credit reports because it is fraud. Please remove the fraudulent account from my reports immediately. 

Stay safe.
Complaint sub-issue: Account information incorrect

On XXXX XXXX I changed security company XXXX XXXX XXXX that I had used since XXXX to XXXX XXXX XXXX because they offered a better plan for less money. I called XXXX after XXXX XXXX XXXX had installed the new system on XXXX XXXX to cancel my account with them and told them I was using another company. I had automatic bill pay with XXXX so I cancelled that with my bank because I no longer had their system. They still tried to put the payment for the next month through but my bank declined it because I had cancelled the automatic payment. XXXX then sent me a bill so I called them and was told I couldn Cancel because I was still under contract. I told them I still had my contract which was for XXXX yrs.and that ended in XXXX. They still billed me and added late fees which brought it to XXXX I refused to pay it so they turned it over to a collection agency and the collection agency put it on my credit report. I have disputed this charge but they refuse to take it off my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

Hope and pray that this complaint will find you and your family in the best of health and happiness. 
I am XXXX XXXX XXXX American citizen and never ever had a problem like this in my whole life. I had excellent history of my credit score.

yesterday I got bank account alert about my credit Secore has been decreased from XXXX to XXXX XXXX on XXXX. 
They have sent debit dispute to all three credit agencies, with out my knowledge. 
This was on my bank credit journey report. 
" I.C. SYSTEM, INC It looks like your account with I.C. SYSTEM, INC received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. " I called I C System XXXX and was connected with XXXX XXXX / XXXX XXXX and I asked her about why the have added my XXXX  disputed amount of {$XXXX} on XXXX XXXX. to 3 credit score agencies. 
They are first collector who have not contacted me. Before them 3 or 4 all have contacted me and I have given them reply. After that no one has contacted me and I thought that this case has been closed. 
I have not received any letter or phone call from them. She said that she will mail me letter and she also said that I have an offer to settle this for {XXXX 
According to your website They have to call me which they did not. They have even my email as well in there system and they have not contacted me. 

What I need your help to please ask them to remove this from all 3 credit score agencies. As to my understanding They have not followed instruction and rules laid down by consumer finance department. CFPB. 
Your help in this connection will be highly appreciated.
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 sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

I purchased a washer and dryer from Home Depot XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX on XX/XX/XXXX. XXXX was {$1000.00} & was given 12 mon no interest if paid byXX/XX/XXXX. My XX/XX/XXXX bill has interest charge of {$320.00} for this purchase for " not having paid by due date ''. I've made high monthly payments every month to pay off this amount and other small purchases. XX/XX/XXXX {$100.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00} The total is over {$1600.00}, way over the amount due on the washer and dryer. I don't believe this amount should have been charged to me and above all never explained to me. I would have paid it off. I have a credit score of over 800 and I would never, ever pay 29.99 % I've spoken with XXXX at HD credit card services and XXXX, asst mgr at the store, but they were not able to help me. No senior mgr was available.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error on my credit file.
Complaint sub-issue: Information belongs to someone else

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}
Complaint sub-issue: Deposits and withdrawals

Today   XXXX   XXXX . Active hours app stated the bank will not release information. My bank is with bank of the West. All I need is for them to show Active hours I got deposited money. I need this to be resolved
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has inaccurate information that is ruining my credit score!
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act Equifax and XXXX continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : XXXX XXXX XXXX. I ( Account Number : XXXX ) .They received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Both refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.