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

I have disputed multiple items on my EQUIFAX credit report - the most recent being XXXX confirmation - When I try to view the results online - the service is never available. 

When I call them - and they ask the challenge questions, I can not verify all of them, as some DO NOT apply to me ... which is WHY i'm disputing a few items. 

I '' m stuck. And they are not offering any assistance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I never had any medical services with anyone.
Complaint sub-issue: Debt is not yours

AR RESOURCES INC Original creditor : XXXX XXXX {$2400.00} This was removed from XXXX XXXX but not from XXXX.
Complaint sub-issue: Public record information inaccurate

I've recently reached out via certified mail to XXXX Equifax and XXXX about providing validation for an U.S Bankruptcy XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt
Complaint sub-issue: Trouble using the card to spend money in a store or online

I was sent a Visa gift Debit card for {$100.00} when I 1ST went to use it did not work I called the phone # on the card XXXX they told me the card had a XXXX balance Also someone called in to register the card in there name ( this was FRAUD ) I was told to provide the following info : 1 Copy of VISA Debit Card front & Back 2 Prepaid card receipt 3 My Driver 's License 4 Cover Letter The first time I sent this Info one phone Rep said it was received 2 weeks later told they have no record of my info 2ND time I FAXED the info TOLD ME TO USE THIS ID # XXXX PLEASE CHECK with US bank NATIONAL ASSOC last CALLED TOLD TO GET A POLICE REPORT FOR {$100.00} always a new request from card holder services ( big run around ) I TRYED TO GET VISA INVOLED NO HELP DID NOT CARE!
Complaint sub-issue: Their investigation did not fix an error on your report

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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Information belongs to someone else

I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1.  XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. DISCOVER FINANCIAL SERVICES Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.
Complaint sub-issue: Investigation took more than 30 days

I have filled a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of my written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my XXXX XXXX : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my 3rd 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 XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Credit card company isn't resolving a dispute about a purchase on your statement

Hi, on XX/XX/XXXX i bought XXXX XXXX XXXX XXXX  XXXX 65-Inch 4K Ultra HD Smart OLED TV ( XX/XX/XXXX Model ). 

But I received the wrong tv from XXXX. it was 55 inch, so I returned it to XXXX and the delivery services came and confirmed and picked the tv back and returned it to XXXX and XXXX acknowledge on there website order details that return was received and the refund will be processed in 2 weeks. 

After 2 weeks no refund and i decided to contact XXXX and they said I sent the wrong tv but I told them i received the wrong tv and that's what I sent back and were unable to help me so I contact my bank. 

my bank Citibank opened dispute on XX/XX/XXXX and issued me conditional credit and on XX/XX/XXXX i received response from my bank that they received response from XXXX and they wanted proof that I returned it and I attached 4 pages of proof and Citi bank gave me conditional credit again and XX/XX/XXXX Citibank said they got response back from XXXX and will let me know in 10 days and then on XX/XX/XXXX they said they upload document for me to read. 

which said they can't help and closed the investion and to seek other means after 4 months. very disappited with citibank when i gave all the proofs.
Complaint sub-issue: Funds not received from closed account

During XXXX of XXXX {$65000.00} disappeared from my account. I talk to the representatives on several occasions, but they could not find out about the account. The representative that open my account was no longer there. I was a XXXX  and I had a donation that was given to my Church. 
However, my Mother passed away, and some how the individuals that she took care of in her home ( XXXX XXXX  ) was confused and considered as family members. After several times going to the bank, they stated that they had been threaten ; therefore it was necessary to go to the corporate office. Hence, I called the corporate office and told them about the incident, and that each time I go to the bank, I was being followed, with the bank representatives feeling the same. The corporate office stated that they would do an investigation, however, I have not heard or received my funds that were donated to my Church at the time. I have lost my Church and the money. 
Additionally, my funds were being diverted to someone else in the bank which is the same family that stole my funds. I would pay my electric bill with my stipend check while in graduate school, and each time my bill would not be paid and the money would disappear. The attorney general placed a watch group over my XXXX XXXX XXXX and they stated that each time that I would pay my electric bill, the payment would disappear. My bank account was with PNC ; therefore I suffered living with no electric and experiencing detriment to my health. 
I continued depositing my check, when I would receive my stipend, because I did not know what was going on. However, one of the bank tellers would not deposit my check, and I could not understand why ; and found that when I cashed my check ( I put the money on a card ) and paid my bills with cash, the money was not stolen. 

PNC Bank at XXXX XXXX XXXX, XXXX, KY XXXX
Complaint sub-issue: Debt is not yours

This attempt for debt collection is from a 3rd party trying to represent XXXX XXXX. I have not had XXXX XXXX as a provider for over 3 years. I switched carriers 3 years ago yet they are still trying to collect a false debt which is affecting my credit.
Complaint sub-issue: Account information incorrect

I have 2 student loan accounts and its showing up as 4 student loan account on my credit report. I have tried to dispute this numerous times but they havent fixed the problem as yet
Complaint sub-issue: Information belongs to someone else

im a victim of identity theft on all collection accounts as well as hard inquiries.
Complaint sub-issue: Cashing a check

Ok first off I was never welcome into the branch managers office the first visit. I was told I could view a copy of what was acceptable but that 's it only a offer. Further more I did not go to another pnc branch that day nor any other day. This clearly shows fault into your investigation that I believe never really took place. I was very much so discriminated against even brought to tears due to your branch manager or vice president of that branchs harsh judgement and humiliation felt in front of my child. I never lost my temper inside branch location only briefly while talking over phone with your customer service rep. This has not resolved our dispute in no way since I had to read your final report here and the letter you mailed me with check for XXXX $ only said sincerely with no kind of remorse or apology. Upon reading this I want PNC to know im taking my newly found inheritance wealth of at least {$190000.00} and will use a large portion to seek council in order to not only make PNC take responsibility but also now because you blatantly right out lied on me in order to make me out to be the one in the wrong. Further more how can a XXXX 's gift card with my name on it Trump a  employee issued ID from XXXX XXXX. It cant PNC is at fault here and unless you resolve this issue very quickly in the amount no less then {$10000.00} for my daughter and I pain and suffering needlessly inflicted by your leadership members located at the XXXX branch. I will have no other choice but to continue forward with all proceedings. I hope for PNC state you take heed to my demands for this is not a threat but a promise. Today marks the day PNC thought they could mistreat abuse and under estimate a once potential customer but we 're showed in the wrong. My case is strong and my words hold truth. PNC on the other hand lies repeatedly only to deceive themselves into the snares they opened. I pray you make the right decisions and believe the words I have spoken to you on this day for my attorneys will not be as forgiven. Oh and I 'm not cashing your insult to injury {$10.00} check the envelope along with one word letter and check have been filed on my behalf to show the incompetent PNC and failed attempt at bringing this issue to a close. See you in court if I do not hear your response in a way that rings Justice has been served to my satisfaction. Oh and the branch manager you blindly place trust in should not be allowed to work in such a position to place judgements on people making their life burden while that person is dealing with the loss of a love one. Thank you very much.
Complaint sub-issue: Debt is not mine

I had hade a XXXX, and a company XXXX XXXX remote services had sent me a XXXX that would check my XXXX once a month, I received notice the XXXX was discontinuing this service and for me to send the equipment back to them, which I did. For the next few months I would get a phone call from XXXX calling to check my XXXX, I explained that I had returned the equipment at the request of the company. 
Evidently they were still billing XXXX and of course they would not pay because they were not providing the service any longer. 
And XXXX started trying to collect from me. I had explained that I no longer had the machine nor was there any service provided. 
But it fell on deaf ears. I filed the paperwork necessary to prove my claim several times, but to no avail. I am at my wits end as to how to make this collection claim go away. It is not a lot of money about {$60.00} I think, but it is the principle od it I do not owe it. 
I have contacted the collection agency several times and they tell me that they can not provide me with the original bill, as XXXX has gone out od business. I feel tat this is some sort of scam and I need your help to resolve it. 
Thank you,
Complaint sub-issue: Account status incorrect

I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. XXXX XXXX  XXXX a service provider for XXXX XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life, and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a call from  XXXX . They were very rude and refused to verify or validate the alleged debt and told me that they will put it on my credit and it will hurt my credit. They will not disclose the address of the agency nor will they tell me the proper name of the agency. When I call, they will not answer. And when I did speak to agents, they yelled and screamed at me and argued with me as well.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX company contacts me multiple times a day from random caller ID numbers. They start at XXXX XXXX and call until XXXX every two hours sometimes back to back. XX/XX/XXXX they contacted my mother who lives in Illinois and spoke to her regarding this loan. On XX/XX/XXXX they called another family member in XXXX XXXX, Ca regarding the loan. In both instances I was called by family members regarding the loan. I contacted them via email to state I would like to settle the debt. This is my private business and I do not want my family members involved. As now I am humiliated.
Complaint sub-issue: Investigation took more than 30 days

In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In  general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP TXXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.
Complaint sub-issue: Account status incorrect

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.
Complaint sub-issue: Used obscene/profane/abusive language

I have been receiving phone calls from a representative from Oxford Law group of XXXX XXXX XXXX XXXX, PA XXXX, starting on XXXX/XXXX/2015. In the first call by XXXX XXXX, I was told " I am a legal assistant from the attorneys office trying to reach XXXX ( my name ), and have been asked to give you information. If you can call me we can discuss this so obviously I do not have to call you anywhere else '', no identification that this was a debt collector trying to collect a debt was made. In the next voicemail, ( also no identification that this was from a debt collector ) on XXXX/XXXX/15 I was told that I need to return the phone call to the attorney, that he is waiting for your call ( this was conducted in a threating and hostile manner ). I then received a phone call on XXXX/XXXX/15, stating that it was a debt collector, at the end of the voicemail the agent stated " We will get her ''. I received several calls throughout the next few days and the next voicemail was XXXX/XXXX/2015. Stating that it was debt collector. At the end of the message the agent stated " we found out she 's a XXXX ''. The first written communication I have received regarding this debt was on XXXX/XXXX/2015, with their letter in the envelope dated XXXX XXXX, 2015. The letter that the office mailed me was postmarked XXXX/XXXX/2015. In the letter that they sent me they stated that they have not contacted an attorney to review my case, which was contradicted by the voicemails I have received from their office, which I have saved. I have sent them a letter requesting them not to contact me regarding this debt. This office is harassing me by the use of threats, misleading statements and violating my rights as a consumer under Federal Law and California XXXX Fair Debt Collections Act.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.
Complaint sub-issue: Account status incorrect

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and Equifax. Thank you!