Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I want to place disputes on my credit via fax to XXXX, Equifax and XXXX. Online and on XXXX, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition XXXX : XXXX NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by EQUIFAX.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9300.00} /XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance {$16000.00} / XX/XX/XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXXXX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance / XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance / XX/XX/XXXXXXXX Date opened XX/XX/XXXX / Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in equifax and XXXX. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00}.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank has taken more than 90 days to process a dispute. Their website claims that this would be decisioned by XX/XX/2019 which has come and gone. Multiple attempts to contact the 'Executive Response Unit ' have been unsuccessful and no call back has been initiated on their part. XXXX XXXX XXXX, XXXX, and XXXX have been responsive and have processed their disputes and initiated permanent credits while Citi bank provided a confirmation alert that documents were received and then subsequently claimed that they were never received and denied the dispute based on this false information. 
Citi has falsely stated documentation was not received when it was and/or lost relevant documentation to the case provided in XXXX. On XX/XX/2019, their customer service agent provided an invalid email address to resubmit documentation to, and they have still not acted upon the information provided. It has been an ordeal. 
I have overpaid my internet bill with XXXX, a subsidiary of XXXX XXXX, XXXX XXXX, the merchant, acknowledges that I have a credit balance but refuses to reverse the charge to my Citibank account or provide a refund of such funds. CitiCards, the card issuer, has failed to act in 90 days on information provided multiple times. Most  recently XX/XX/2019. The primary documentation provided is a letter from XXXX acknowledging overpayment but requesting that I dispute the charges with my financial institution to reverse the charge and receive a refund. Citi refuses to act on this and the case still shows in progress to be completed no later than XX/XX/2019. Multiple attempts to speak with the Executive Response Unit of Citibank have been unsuccessful and they have not returned voicemails left.
Complaint sub-issue: Report improperly shared by CRC

A hard inquire was made to equifax from a company called XXXX I disputed. equifax states that the information is correct and advises me to contact XXXX office to get more information .I contacted XXXX ( AKA ) XXXX they advised they had no record of the inquire and refuses to send me a letter of proof that i in fact did not authorize or request this inquiry.
Complaint sub-issue: Information is not mine

THERE IS INFO ON MY REPORT THAT IS NOT MINE AND INCORRECT PERSONAL INFORMATION I NOTICED WHEN IT WOULD NOT LET ME LONG IN TO LOOK AT MY REPORT BECAUSE OF THE FALSE QUESTIONS IT WAS ASKING ME
Complaint sub-issue: Information belongs to someone else

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 XXXX {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} 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 XXXX
Complaint sub-issue: Contacted your employer

On the last week of XXXX this dept collection agency work for the Credit Card company, contacted my work and as to give a note to me to call them with different number than the one I have spoke to on the phone earlier in the month. I referred them to my dept consolidation company and they said they did not with their way of doing business. So I got home and called this number on note and found out who it was, I was okay to clear this up till my job said who is this and had to spell my personal life to my job, which in turn they said they should have never called here and had us contact you. I was furious and told this dept collection company I was not abide by the settlement, even though I just sent them a payment, i will not send anymore cause of this action at my job. They informed me I had not told them directly about not calling my job, only the Credit Card company new not to call, but this company works for them and I guess they do not communicate with them on what I had sent to cease communication to me and my job. Feel my rights were violated and they still said they did not violate them and got tired of them repeating themselves to me that they are here to settle the dept is all for this credit card company and all they would give me. Thanks XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account liste
Complaint sub-issue: Public record

There is a legal item on the Equifax credit report dated XXXX XXXX, 2010. It indicates legal item of {$1200.00} - Case number XXXX - Satisfied. 

This item should be removed completely from my credit record.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that any information furnished to a consumer report must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX any written consent to to report anything on my consumer report. NO CONSENT = IDENTITY THEFT! The following inquiry is being fraudulently furnished to my consumer report. I did not authorize, benefit from, nor consent to this inquiry and I demand for it to be removed from my consumer report immediately. 1. XX/XX/2021 ( XX/XX/2021 ). If this fraudulently furnished inquiry is not removed, I will hold XXXX NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative and fraudulent item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXXXXXX XXXX  can not provide to me a copy of when I sent written permissible purpose to validate this inquiry, I demand it be removed in 4 days. Enclosed is the FTC Identity Theft Report which states the inquiry that is being fraudulently furnished.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with Equifx and XXXX, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and XXXX refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that XXXX posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.
Complaint sub-issue: Banking errors

On XXXX I wrote check number XXXX for {$100.00} to XXXX XXXX. On XXXX it was cashed as check number XXXX. On XXXX it was cashed again as check number XXXX. I first called US Bank on XXXX. I was told I would receive paperwork I never received. I called again on XXXX and spoke to XXXX. I was told it was a double posting and I should see the money in my account in XXXX days. On XXXX I called a third time and spoke with XXXX and XXXX. I was told a fraud case was opened and I would receive paperwork in the mail. I never received the paperwork. On XXXX I went to my US Bank and met with XXXX. I was told it appeared both a double posting and a fraud case were opened. Both times more information was requested by the company, although no one requested more information from me. Both times the requested information was not received and no one followed up or contacted me. On XXXX I left a message for XXXX wanting to know where the case stood. I received a message back saying it was being worked on. On XXXX I returned to US Bank and spoke to XXXX who opened another case and said the money should be in the account within XXXX days. I then asked to speak to the manager, last name XXXX, and requested the money be placed in my account now while they continue to investigate. I was told that was not possible as " debits have to equal credits! '' and told I should see the money in my account in XXXX days. I don't believe them anymore.
Complaint sub-issue: Their investigation did not fix an error on your report

The beginning of this year I received a parking ticket issued to me by the XXXX XXXX XXXX. I did not pay this ticket and it eventually got sent to the collection company XXXX. 

A few months ago I noticed that the collection showed up as a " derogatory mark '' on my credit report. This collection account was opened on XX/XX/XXXX by XXXX for the amount of {$200.00} with the Original Creditor being the XXXX XXXX XXXX ( as described above ). 

Attached you will find the original past due notice for the parking ticket from the XXXX XXXX XXXX. The invoice shows the amount due ( {$200.00} ) and that it was indeed issued by the XXXX XXXX XXXX. 

According to the National Consumer Assistance Plan instituted in XXXX and agreed to by all 3 credit bureaus, collection agencies can no longer report unpaid debts to the credit bureaus that did not arise out of contracts or consumer agreements. This includes parking tickets. Since the above mentioned collection is a parking ticket, its appearance on my credit report is in direct violation of the National Consumer Assistance Plan and should be removed from my credit report. 

I have contacted and filed disputes with all 3 credit bureaus concerning this matter. XXXX and XXXX have both successfully removed the collection from my credit report. Equifax, on the other hand, has denied my dispute and has not removed the collection from my credit report. 

I am requesting that you contact Equifax and have them remove from my credit report the collection that is in violation of the National Consumer Assistance Plan. 

Thank You! 
XXXX
Complaint sub-issue: Account information incorrect

I have been a card holder of  a Macys Consumer Card sin  ce XX/XX/XXXX . In  XX/XX/XXXX , I was tricked into " paperless billing '' while I was making an online   payment on  Macys.com.  I always prefer that my credit card statements to be sent via mail because I will not make a payment until I know exactly what charges and fees have placed on my account, and online statements are typically a hassle to downloa d. Macys.com u sed deceitful methods to enroll consumers into paperless billing. By pre-selecting paperless billing on the " make a payment '' page of their website, it puts a undue burden on the consumer. If the consumer wants paperless billing, they should select that option their self, not have it selected for them. Prior to   XX/XX/XXXX , the Macys.com w ebsite auto selected " paperless billing '' prior to selecting " make a payment '' making it very easy to inadvertently select the paperless billing without the consumer initiating this request. I n  XX/XX/XXXX , there must have been a mistake in the system, because I wa s enrolled in paperless billing, even though I " un-selected '' this option prior to payment. The following  two month  s,  XX/XX/XXXX  and  XX/XX/XXXX , I did n ot receive my statement in the mail. In XX/XX/XXXX  , I logged into Macys.com and  noticed a statement f or  XX/XX/XXXX ,  I clicked on this statement but nothing would download or pop up. There was a technical issue wi th macys.com. In  XX/XX/XXXX , I ca lled macys to inquiry about my account statements and resetting my password. I was told by the representative that I should try again tomorrow because there was a technical issue with the log on system o f macys.com.  XX/XX/XXXX , I was able  to access my account and download my statements ( as stated before, I only make payments after I have verified purchases and fees on my account, and is my right according to Fair Debt Collection Act ) and I made a payment of {$250.00} to make my account up to date. I spoke to an agent about the how the technical difficulties  of macys.com an d unauthorized enrollment into paperless billing caused my delinquencies, and the agent refunded {$74.00} worth of late fees f rom  XX/XX/XXXX ,   XX/XX/XXXX   and  XX/XX/XXXX . I have co ntacte d macys.com to have the 90 day late marks also removed from my credit report, since my delinquency was due to an unauthorized enrollment into paperless billing by macys.com  which prevented me from accessing my statements, along with the technical difficulties of  macys.com t o reset my password i n  XX/XX/XXXX . Macys has refused to remove thes  e delinquencies from my credit report. Prior to  XX/XX/XXXX , when paperless billing was added to my account by macys.com, I never had a   delinquency. This 3 month period of online access difficulty with macys.com, was caused b y Macys pre selecting paperless billing without my consent and technical issues on macys.com for password reset. I was given an option to make an over the phone payment, but again, I never make a payment without verifying charges and fees on my account with a billing statement.
Complaint sub-issue: Public record information inaccurate

On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit burea us ( Equifax,  XX/XX/XXXX  and  XXXX  ) that showed that the amount of {$2400.00} had  been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified  letters to each bureau requesting that the information be deleted from my credit report. Only  XXXX  bureau- XXXX  has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX  {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.
Complaint sub-issue: Problem with personal statement of dispute

Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX XXXX XXXX {$5300.00} I HAVE TRIED CONTACTING THE MERCHANT WHICH LED TO DEAD ENDS AND RED FLAGS. I ALSO CONTACTED ATT UNIVERSAL CITICARD TO FLAG THIS CHARGE AS FRAUD. I HAVE BEEN DEALING WITH THIS CLAIM FOR MONTHS AND FINALLY WAS TOLD ON XX/XX/XXXX BY A MAN NAMED XXXX, A SUPERVISOR IN THE FRAUD/SECURITY DEPT, THAT THE CREDIT WOULD BE THERE BY THE 2ND WEEK OF XX/XX/XXXX. IT IS NOW XX/XX/XXXX AND I HAVE BEEN TOLD THAT I HAVE TO START ALL OVER AGAIN. THEY WANT ME  TO RE-SUBMIT A CLAIM LIKE IT NEVER HAPPENED AFTER I HAVE BEEN CALLING AND WAITING FOR MONTHS AND THERE ARE PLENTY OF RECORDS AND NOTES ON THE ACCT FOR ALL THE TIMES I CALLED AND THAT I WAS TOLD I WAS GETTING MY CREDIT BACK AND THE INVESTIGATION WAS OVER. I HAVE DONE EVERYTHING THEY HAVE ASKED ME TO DO AND THEN SOME. I HAVE A BEEN A CUSTOMER FOR A VERY LONG TIME SO THIS IS VERY SAD THAT I HAVE TO GO TO THIS LENGTH AND I EXPECTED TO GET THIS TAKEN CARE OF WITH NO ISSUE BUT THIS IS GETTING TO A POINT WHERE I M CONSIDERING CANCELING MY ACCOUNT AFTER 27 YEARS.
Complaint sub-issue: Account status incorrect

XXXX XXXX and XXXX XXXXXXXX XXXX are reporting me late when Im not.