Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I closed account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX about 3 years ago. I closed the account at XXXX XXXX XXXX XXXX XXXX XXXX and paid whatever balances I had. Then I received a bill again after closing so I went to the XXXX XXXX XXXX XXXX XXXX and checked with them for whatever balances I have to pay, Then they told me to return the internet and cable boxes with XXXX and I did so this balance maybe voided. I checked with them for all my balances and there was none and confirmed that my account is already closed. Besides, I pay my bills automatically online. I was surprised that this company which really does not have any customer service ethics sent this alleged debts to various billing collector agents which have bugged me for more than 3 years now. This has even done a great dent on my credit score. During the first few months, I kept receiving calls and letters from them, just to settle the debts, I sent them a check for XXXX which they were asking at that time, I don't remember which collector that was. Since I'm paying online I don't have any receipts and I couldn't find the receipts I paid XXXX XXXX XXXX XXXX. 
Today I received this bill XXXX from ERC with all the provisions for payments. 
It is not that I do not like to pay, but I know in my heart that I do not owe XXXX XXXX XXXX any amount. Truth is they even duped us of the packages that they offered at that time. You can check all my credits and there isn't a single complaints on me except this, which I know I do not have any liability whatsoever. 
Please help me with this. I would appreciate should any action be taken especially now during this unprecedented times.
Complaint sub-issue: Account information incorrect

I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.
Complaint sub-issue: Information belongs to someone else

I have unauthorized inquiries on my credit report in which XXXX, Equifax, and XXXX  have yet to address.
Complaint sub-issue: Public record information inaccurate

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action :
Complaint sub-issue: Problem with customer service

The borrower initially reached out to the Loan Servicer ( Sallie Mae ) in XXXX 2022, requesting a co-signer release. Borrower has fulfilled the requirements stipulated by Sallie Mae : 1- Submit a signed and fully completed application. 
2- Be old enough to enter a legally-binding contract in your state of residence. 
3- Be a permanent resident at the time you submit the request. 
4- Provide proof of income. 
5- Be current on all Sallie Mae-serviced loans at the time of application review and have not been 30 or more days past due within the last 12 months. 
6- Demonstrate a satisfactory payment history on the loan ( s ) requested by pre-paying an amount equal to the required 12 principal and interest payments or by making the required 12 on-time principal and interest payments. 
7-Have had no student loan ( s ) in a hardship forbearance or modified repayment program for the 12 months before you apply. 
8-Demonstrate the ability to assume full responsibility for repayment of the loan ( XXXX ). 

Borrower has requested the co-signer release 3 times - XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each of these times, the request has been denied, even when the borrower complies with all the requirements established by Sallie-Mae to release the co-signer. 

Co-Signer has contacted Sallie-Mae multiple times via the Chat Feature of their website, and each time he has contacted the loan servicer, they provide different information, with the last communication mentioning the following : " Unfortunately, we could not approve the request because the borrower did not meet our eligibility requirements. You will remain equally liable for the Current Balance of the loan. In order to protect the borrowers private information, we are unable to provide the specific decline reason ( s ) to you. We encourage you to speak with the borrower for the specific reason ( s ) as to why the request was declined. The borrower can request a reconsideration. '' The co-signer is authorized to communicate with the loan servicer to know the status of the application of the co-signer release, which was submitted by the borrower. Sallie-Mae mentions that information on the application can not be communicated to the co-signer, even when the co-signer provided financial and personal information to initially process the loan. Therefore, the loan servicer is not complying with providing adequate information to the co-signer and the borrower.
Complaint sub-issue: Was not notified of investigation status or results

I sent certified letters out from the inaccurate and unknown accounts that have been drastically hurting my credit score, and costing me THOUSANDS of dollars in interest annually. I have tried reaching out to via letters and its been over 55 days and still no response. I feel as if I am being taken advantage of which isn't legally right. Section 611 ( a ) clearly states they have only 30 days to conduct an investigation and reply or the account must be deleted. it has been over 55 days and demand these accounts be deleted immediately. My information was also affected the the Equifax data breach and may have got in the hand of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX refuses to remove inaccurate reporting information on my credit report. I submitted proof of conflicting information that was stated to be verified by XXXX, XXXX and Equifax. XXXX stated they will not remove information based on what is presented from other agencies. All agencies stated verified information from original account holder. The most recent example is from XXXX XXXX XXXX. All XXXX agency 's stated account was verified, XXXX After contacting the original creditor and presented a letter to Contract Callers, XXXX, XXXX and Equifax advising of accounting error. On XX/XX/2021 XXXX XXXX that original account holder that sold to Contract Callers confirmed at XXXX the balance was incorrect, payments were not applied to account correctly and account should not have been sent to collections. No good faith investigation to verify inaccurate information was conducted on the first or second attempt by XXXX, XXXX or Experian or XXXX XXXX XXXX. I have sent all three agencies a merged XXXX agency report showing factual discrepancies in their investigation and reporting but all came back information verified, which is not possible. I have since filed a small claims lawsuit against XXXX, Equifax and XXXX in small claims court in XXXX, Ohio for damages and removal of account.
Complaint sub-issue: Debt is not yours

This debt was reported 2 separate times with all three credit bureaus. The creditors response is that they can not verify this debt and that it would be deleted from each bureau, however it is listed twice and still appearing as the same debt from IC system I would like this additional and identical debt deleted as well as the debt can not be verified as mine.The account number for each of the collections are as follows 1. XXXX 2. XXXX Original CFPB complaint number is XXXX-XXXX
Complaint sub-issue: Information belongs to someone else

Ive attempted to dispute the fraudulent accounts with Equifax numerous times. Equifax has once deleted fraudulent accounts but have re-added them back to credit report. Ive provided two police reports reporting fraudulent accounts and Equifax refuses to remove negative fraudulent info. And Equifax wont force the merchants provide fraudulent information to provide proof of a valid debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # 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: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I had paid a XXXX XXXX course {$260.00} to attend the first day of class. InXX/XX/XXXX, I had a dispute with the merchant because they did not sign me up for the first class. I called XXXX XXXX and opened a dispute. The merchant never fought the dispute and allowed me to attend class. I entered into an agreement with the merchant to pay to pay the sum of {$270.00} cash and just reverse the charge on the credit card. I did so and there seemingly was n't a problem. I was credited the {$260.00} on my XXXX statement. On my XX/XX/XXXX statement, there was a charge of {$260.00}. I had called Citibank again to find out why I was being charged. They told me that they would conduct an investigation. I was sent a packet showing that I was charged an additional {$260.00} from their audit department. I have been calling since then and told different things depending on who I spoke to. I would either be told that the merchant never returned the money or that Citibank incorrectly debited me an additional amount. Finally, at the end of XXXX I was told that I would receive a credit of {$260.00} within two billing cycles. My XXXX statement arrived and I still have not received a credit. All Citibank does is have me call back or they call back and tell me I 'm getting a credit but they are not sure why I have not received it. It has undergone several investigations with the end of the reports stating I deserve a refund. As of XXXX XX/XX/XXXX I was given a long recap of the events that happened as I had explained numerous times only to be told, after weeks of being told I will get a credit, that I am not entitled to the {$260.00}. The way Citibank has handled this matter is an embarrassment. No one can give me a straight answer, they contradict their own findings and investigations, and now I have to take time and money to pursue legal recourse with all parties.
Complaint sub-issue: Their investigation did not fix an error on your report

I did not authorize XXXX XXXX XXXX to run my credit 5 times. 

I have been contacting Equifax and XXXX XXXX XXXX since XXXX 2018. The 5 inquiries are still on my credit report. 

Dates : XXXX XXXX, 2018 ; XXXX XXXX, 2018 ; XXXX XXXX, 2018, XXXX XXXX, 2018 ; XXXX XXXX, 2018.
Complaint sub-issue: Was not notified of investigation status or results

i submitted a fax request for a good will removal of late payments on XX/XX/2022. 

i submitted with my documentation that i was in the middle of an XXXX  relationship and i provided court papers to prove this. no one ever reached back from this company with results. 

this was sent to the fax number listed on their credit dispute XXXX. 

no one ever contacted me back. i am requesting these late payments be removed.
Complaint sub-issue: Account status incorrect

I fell behind on payments for my Home Depot credit card. Once I had the money to pay, I sent a payment in full for the credit card. The check was returned with the letter attached. It is still being reported on my credit report as delinquent.
Complaint sub-issue: Information is incorrect

Equifax lists my current employer as the one that I left in the summer of 2000 and has no mention of the employer where I have been working for almost18 years.
Complaint sub-issue: Debt is not yours

This was a high impact on my credit report as a loan opened in XX/XX/2019. I have no knowledge of this loan and have NEVER applied for a loan. When I tried to contact the company, they are no longer in business.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2020 my husband I booked a trip for XX/XX/2020 with XXXX. We paid for this trip with my Citibank credit card. In XXXX XXXX cancelled our trip due to Covid-19 and told us to contact our credit card company for a refund. XXXX also closed down there business as well. I immediately filed a dispute with Citibank for over {$4000.00}. I sent Citibank all the documentation from XXXX cancelling the trip and also there policy on cancellation. I also sent the XXXX  report and news reports of the company abruptly closing. I have received a partial refund from Citibank for {$240.00} and was advised {$4600.00} was still pending awaiting on XXXX to respond. I just received notification from Citibank that for the {$4600.00} they have sided with the merchant and will not be refunding me the money. I need help! If our trip was cancelled by the booking agency and the resort doesnt have a record of it because they are closed as well how can they keep our money. Also how can Citibank refund monies for the exact same trip and company for the smaller amounts but not the large amount were we paid the remaining balance. The information I sent on the disputes were all the same and for the same trip. Please help!
Complaint sub-issue: Debt was result of identity theft

To whom it may concern, There is an account that was opened under my name without my consent and I have it attached. I want it to get remove of my credit report. I contacted FTC also.Thank you for your help in advance.
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX, 2015 send letter to Enhanced Recovery Company requesting verification that this account belongs to me. Requested copy of contract with XXXX with my signature. Instead they just send me a letter back saying that they verified the information with their client XXXX.
Complaint sub-issue: Debt is not yours

I received notification of a SSN trace and a subsequent email from a XXXX XXXX from TrueAccord/XXXX XXXX XXXX regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore TrueAccordXXXX XXXX XXXX by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.
Complaint sub-issue: Account information incorrect

I graduate college. I moved to another address. Never got any kind of mail/email about a payment due. Months later XXXX missing payments showed up on my credit report from student loans. I had no way of knowing what and when was due. I later got the loans forbearance because of low income. These missing payments should not be on my credit report because I was not informed.
Complaint sub-issue: Transaction was not authorized

I called my personal banker and I asked her for 24 months bank statements on 3 accounts because I needed it for court. She said she wasn't in the office and couldn't do it but call the branch and see if they could. I called and XXXX said she would do it for me no problem. I said thank you and she did it. I picked them up and she told me her birthday was coming up. I asked her what she likes and she said scented candles. I came back 2 weeks later and gave her scented candles on her birthday. The next month I was surprised to see a {$170.00} service charge for each account. I also had 2 to 3 overdraft charges of {$36.00} each on each account because the service charges over drafted the accounts. I immediately called my banker XXXX XXXX and I asked what are these service charges. She told me that is what they charged to give me my bank statements. I told her that no one ever said they were going to charge me to provide this service. A charge was never mentioned because if it was, I would have said no! I asked for my money back as well as the fees and they are ignoring my request. I have called, text and emailed and I have been ignored! No response. The whole ordeal has cost me approximately {$580.00}! I want my money back. If you were going to charge me, you are suppose to disclose your charges and fees. No one said anything to me about a fee. They made it look like they were providing service like a bank should. I save you money by doing eStatements. The least you can do is print them if I ask you for them.
Complaint sub-issue: Information belongs to someone else

Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

I was a with DSNB MACYS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Complaint sub-issue: Personal information incorrect

I notified the Equifax via/ dispute that they are reporting my personal info and address inaccurately via/ signature required registered mail several times but did not get no cooperation from Equifax to use the many ID and documents provided to them to correct their file, I filed a complaint with CFPB on XX/XX/2021 complaint number XXXX, the company have done nothing to correct their report and still as of XX/XX/2021 are reporting my personal info such as date of birth and addresses which these inaccurate personal info are linked to several accounts from same provider, out of those the most recent account # XXXX and account # XXXX that are linked to the inaccurate personal info are still being reported as accurate .some of these account shows good report that are 5 or more old but just now as of this month have appeared in the report, I have been refused getting the free annual full credit report but they are forcing me to become a monthly based service fee as member in order to see my report, I am not able to refinance my house because of their refusal to correct their file.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Amount placed on collection is XXXX, XXXX dollars reported by XXXX on XXXX XXXX, XXXX, they knowingly reported a collection as delinquent which has adversely affected my credit, this is a workers comp case which is still pending and this should have never been placed in collections, this is a violation of the FCRA and this needs to be addressed.
Complaint sub-issue: Debt is not yours

On XX/XX/2020 I wrote an affidavit to the company D & A Services , LLC regarding a credit collection in the amount of {$630.00}. In the affidavit I listed the violations that the company had committed in the amount of {$2000.00} also I included a invoice for the company to pay.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX MI XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX and Tele Check is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why XXXX or Tele Check is declining and not approving for my checks to be cashed or presented for payment. I want XXXX and Tele Check to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use XXXX XXXX XXXX and Tele Check.