Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not mine

On XXXX XXXX, XXXX, I purchased online what I thought was a one-time order of XXXX XXXX XXXX for my son. I paid {$39.00} for the shipment and it was supposed to last 90 days. My son used it for about 60 days and we saw little distinguishable difference in his XXXX and I placed no other orders. 

In XXXX XXXX, we relocated to California and filed a change of address with the post office. In XXXX XXXX, I received a notice from XXXX XXXX company, who sold XXXX at the time, that my payment was past due for a shipment sent to us in XX/XX/XXXX. 

I contacted XXXX XXXX at that time and told them that I did not place another order other than the initial one and that I had received no other shipments. I was informed during the call that by placing the initial order, I automatically enrolled in future shipments. I told them I wanted no more shipments and that I would not pay for a shipment that I had no knowledge of nor had ever received. At that time, I was asked to sign a Claims Never Received Affidavit, which I did on XXXX XXXX, XXXX of which I still have a copy. 

I received XXXX other bills on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, indicating that if I did not pay I would be submitted to a Collection Agency for the same shipment, but as instructed in the Claims Never Received Affidavit, I disregarded them with the understanding that once my signed affidavit was received, my account would be credited for the shipment. I received no future communications from XXXX XXXX and assumed this issue was resolved. 

On XXXX XXXX, XXXX, I received the XXXX in a series of XXXX emails from a company called TrueAccord, a debt collection agency indicating they were collecting an unpaid debt to XXXX XXXX. I still contend that I never placed a XXXX order for XXXX, that I never received a XXXX shipment and that from my perspective, I have made all appropriate attempts to resolve this matter. I now need help to ensure this company does not continue to harass my for collection and negatively affected my credit rating.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$440.00}
Complaint sub-issue: Account information incorrect

I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.
Complaint sub-issue: Personal information incorrect

I am writing this complaint regarding inaccurate personal information that appears on my Equifax report. I have sent three letters over the past six months to Equifax with attachments from the FTC as evidence of my current and previous address, and how the current address that is reported on my report is inaccurate. However, Equifax refuses to delete the address from my report. Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( 1 ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( NCRA ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the NCRA has in the consumers file. Section 605 ( h ) ( 2 ) requires the federal banking agencies and the NCUA ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. I request that the inaccurate address is removed from my credit report immediately.
Complaint sub-issue: Can't close your account

PNC BANK-they are very deceitful. 

Dear CFPB I have contacted PNC Bank at least 5 times now and they keep lying, they use to be a good bank -now evil. Now they have begun to put money into my account and saying that I put it there when in fact I did not, I talked with a worker from their Corp office and she told me that she would close it, but she did not. 
They keep it open because now they have put money there, and saying that I can not close it, because of the money {$170.00} - not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9.00}
Complaint sub-issue: Account terms

Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( XXXX ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with XXXX response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.
Complaint sub-issue: Threatened or suggested your credit would be damaged

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Complaint sub-issue: Was not notified of investigation status or results

XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. This account was opened up fraudulently.
Complaint sub-issue: Other problem

Date : XX/XX/2019. Initial phone call from XXXX regarding transaction fraud using my credit card. with follow up staff transfers of supposed higher classification within the Social Security department regarding fraudulent use of my credit card account number and tied to XXXX XXXX and money laundering. I was told a voice recording was being made, that privacy had to be strictly observed regarding dissemination of any subjects discussed over the phone. That one interviewer could loose his job if I disclose any information regarding the details of our communication with each other. That I was to buy electronic gift cards for the available credit limit the from my credit card company and when asked if I was to supply the interviewer with those numbers so as to protect me against theft in the near future. An arrest warrant has supposedly been issued for me to be held but could be dismissed if I supplied the gift card account numbers. 
I cancelled my present credit card, notified the XXXX Country XXXX XXXX, IN operator on duty around XXXX XXXX and filled out this report to send to you. 

Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Complaint sub-issue: Can't get flexible payment options

My consolidation was complete on XXXX/XXXX/17 with Fedloan Servicing. Since then my third party representative has communicated with Fedloan Servicing and they have repeatedly told her that my application is still in process. According to the representative my account was place on an arbitrary hold pending processing. It has been over three months since I have been able to pay back my loans. Every time I call they say it should process within the next week and yet, here we are and it still has not processed. I called in on Wednesday and spoke to one of the women in the escalation department and she illustrated that it should finalize before the weekend, today I called and it still has not finalized and another representative told me it should take another week. I do n't have the patience to keep waiting on something that was supposed to process months ago. This is unfair to me as in the meantime my loans accumulate interest. This needed to be resolved months ago- I should n't keep being penalized for their " system error ''.
Complaint sub-issue: Debt is not yours

Equifax has medical information that has been sent to a third party vender XXXX XXXX XXXX thats has been listed on my credit report since XXXX When I try to dispute it Equifax will drop my credit report almost XXXX points instead of trying to fix the problem!
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax date breach and may have gotten into the hands of the wrong person
Complaint sub-issue: Personal information incorrect

THE NAME ON THE EQUIFAX REPORT IS NOT CORRECT. THE NAME LISTED XXXX XXXX NEEDS TO BE CHANGED TO XXXX XXXX. PLEASE UPDATE MY REPORT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone used my personal information to make unauthorized inquiries. On my credit files fraudulent without my permission with XXXX XXXX, and Equifax. The inquiries XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX All the inquiries took place on XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Complaint sub-issue: Their investigation did not fix an error on your report

As i have notified XXXX before, i am a victim of identity theft, please see attached for the SECOND time all documentation again
Complaint sub-issue: Deposits and withdrawals

Info about my account balance, direct deposit, etc are not being sent out quickly enough
Complaint sub-issue: Debt was paid

Hi, I had a collection account for a XXXX postpaid phone account which was in collections. I paid the debt in XX/XX/XXXX through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting XXXX {$120.00} unpaid collection account as recently as XX/XX/XXXX. This is hurting my credit, and they should not be continuing to report the account.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

Inquiries arent mine and shouldnt be on my credit report. 

DateXXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX  AddressXXXX, XXXX XXXX XXXX, XXXX, OH XXXX DateDec XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX DateOct XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX DateSep XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, RI XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateJul XXXX, XXXX CompanyXXXX XXXX, XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX DateApr XXXX, XXXX CompanyXXXX  AddressXXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX, XXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateDec XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX AddressXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX, XXXX CompanyXXXX  XXXX, XXXX AddressXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Request OriginatorAXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Request OriginatorXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX  XXXX DateXXXX  XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ;
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. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on IBERIA BANK DIRECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Funds not received from closed account

I had my account closed on me by Citi. So I waited 4 month before contacting Citi about balance refund cause I have not received it. There responce was they would investigate and get back with me with no timeframe to give me. This after my first call telling me I had to go to a branch even though there are no branches in my state or any neighboring state.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft please remove this fraud inquiry from my credit report.