Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX submitting this CFPB complaint to request that the Credit Bureaus delete the following disputed erroneous accounts and information that were never corrected nor updated by the Credit Bureaus! I have read that under the FCRA section 609 and 611 that the Credit reporting Agencies are required to reinvestigate and provide copies of proof of verifcation per consumer 's request and update, correct or delete any erroneous accounts and information from a consumer 's Credit report. I previously been sending multiple letters adressed to the Credit Bureaus requesting that they correct and update any accounts reporting to be inaccurate or provide me copies of information to verify the accuracy and authenticity of the disputed accounts and yet they have failed to do so. I am now submitting this complaint to request the immediate removal of the following accounts completely from my Credit Report : DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX   XXXX Balance Owed : {$0.00} DEPTEDXXXX   XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Complaint sub-issue: Attempted to collect wrong amount

Sears/Citibank finance a washer/dryer 0 % interest XX/XX/XXXX to XX/XX/XXXX. Paying approx. {$300.00} a month and had payment scheduled to pay off by XX/XX/XXXX XX/XX/XXXX Sears/Citibank sent offer 0 % until XX/XX/XXXX. InXX/XX/XXXX - I took the offer to pay off another debt. Made normal payment inXX/XX/XXXX of {$300.00}, to pay off loan expiring inXX/XX/XXXX Sears/Citibank took the entire {$300.00} and posted to new promotion loan I just took out a few days before and will not move any of that payment to loan expiring XX/XX/XXXX. Made a payment of {$400.00} on XX/XX/XXXX in the amount of {$400.00}, Sears/Citibank took the entire {$400.00} and posted {$400.00} to the new loan I took out in XX/XX/XXXX. Called Sears/Citibank 4 times and each customer service rep refused to move any of the {$700.00} over the two months to loan expiring XX/XX/XXXX. This is not what the promotional stated. On Sears/Citibank web site it states if you have two promotion payment will go 50/50. On the agreement when I sign the check for transfer it stated payment with post to account with highest APR % both have 0 % so it should be split. I believe Sears/Citibank is trying to cause me to pay the retro interest collected so far in the amount of {$400.00} plus dollars. I believe this is wrong practice for me as a consumer, Sears/Citibank is trying to set me up for failure.
Complaint sub-issue: Debt is not yours

I have a collection account from I C Systems via XXXX that does not belong to me. I have never had a XXXX account in my name. This debt is not mine. They are asking for {$380.00}. I've never received any correspondence from this company showing proof of a XXXX account or asking for payment in the mail. I have also never received a phone call from them.
Complaint sub-issue: Account information incorrect

Equifax continuously does not properly handle disputes nor do they update any of my information and payments and balances to reflect accurate data. They have not updated my XXXX account in over 3 months. 
Information needs to be updated! 

This is just one example as they never handle anything over the phone and they don't have any disputes I file. I've attached one example to show how they have not updated any payments made for 2022 yet I have made payments and the other credit bureaus have. 

My credit score for this Credit Company is 40 points lower than the others because of this problem.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/ 2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This company was notified via mail by the attorney XX/XX/XXXX of the stop order because ch XXXX bankruptcy was filed. i also emailed them XX/XX/XXXX on five occasions of the bankruptcy and included case number and attorney information. My attorney also emailed and provided the case information. The company continues to automatically bill weekly and does not allow me to stop the automatic billing. When i called on XX/XX/XXXX, I was told the company has no bankruptcy department. 

attorney : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are accounts that were open without me knowing i reached out to Equifax, XXXX, and XXXX numerous times and they still haven't responded or do what they promise to do
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending letters to the Bureaus for 90 days. They always tell me the same thing. Keep saying it is accurate. They do not show original documentation on the items on my credit file. The Metro 2 system says everything suppose to be 100 % accurate. Nothing on my credit file is correct. They have not been responding to my disputes in a timely manner. I'm uploading only a few errors that is on my credit file. That is just the start.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted numerous time my credit report agency and every time they would ditch me and give me an XXXX excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out
Complaint sub-issue: Attempted to collect wrong amount

I sent a certified letter to HUNTER WARFIELD on XX/XX/2018 and they failed to respond back within the ( 30 ) day time frame for the 2nd time. HUNTER WARFIELD also continues to violate my consumer rights by deliberately refusing to comply with federal and state law according to FCRA and FDCPA. Therefore, I believe their actions are discriminatory ; due to the fact, this item has been DELETED, RE-INSERTED BACK ONTO MY CREDIT REPORT, REDACTED and RE-AGED in the attempt to collect on an alleged account that they failed to VALIDATE on approximately ( 5 ) occasions according to FDCPA-Validation of Debts 15 U.S.C. 1692g. More so, it is against the law for HUNTER WARFIELD INC to continue reporting a disputed account to the credit bureau ( s ) ; nevertheless, trying to collect on an alleged debt without VALIDATING it first. Also HUNTER WARFIELD INC violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Since HUNTER WARFIELD refusal to respond to my request for validation and their noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act, the Uniform Commercial Code and the FDCPA. ; due to fact, HUNTER WARFIELD INC fail to meet the legal requirements by law. Also, HUNTER WARFIELD is still adding interest on a close account which also violates the FCRA and the FDCPA. Furthermore, I do not believe that HUNTER WARFIELD is licensed to conduct business in my state etc.
Complaint sub-issue: Investigation took more than 30 days

The data furnisher failed to provide correct and accurate contact information on the consumer credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

This involves an amount owed to my former apartment complex while Iwas in college. This debt is claimed by ProCollect Inc to have been placed in XXXX by the former management company of the apartment complex which is now out of business. I received a call from ProCollect Inc in XX/XX/XXXX claiming to demand payment of the debt. I was not familiar with the debt and taken off guard and I asked ProCollect Inc to call my father as he was the guarantor for my lease. He spoke with a representative about the debt. He also demanded payment from my father. My father asked that he confirm and verify the debt in writing as required by law, however, he stated that he had already mailed a letter. Neither my father nor I have ever received any correspondence from ProCollect Inc. My father told the representative that the previous management company had several issues of mismanagement and it would not surprise me if the debt was legitimate. My father then asked the representative again to mail me one letter to verify the debt and he would pay it off. The representative refused and stated he could not help it if the XXXX did not deliver my mail. That was the end of the conversation. After that, ProCollect Inc placed a collection on mine and my father 's credit reports with all three credit reporting agencies. After disputing the collection with all three agencies, XXXX and XXXX XXXX removed the collection form both of our reports. However, XXXX has left the collection on our reports despite filing two disputes.
Complaint sub-issue: Personal information incorrect

Hard inquiries and debts tied to a address is never lived at and when I reach out to XXXX XXXX Equifax and Especially XXXX about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly
Complaint sub-issue: Didn't receive enough information to verify debt

They contacted me and identified the debt amounting to {$200.00} and I never received information to verify and validate the debt.
Complaint sub-issue: You never received your bill or did not know a payment was due

they had misspelled my email, it is XXXX and not XXXX. I also have multiple accounts with Discover and their app doesn't allow a user to view more than one account. To my knowledge I had not used the card so I never checked that account and since I wasn't notified of a payment due I had no way of knowing that there a subscription that had been placed on that card.
Complaint sub-issue: Didn't receive enough information to verify debt

I found this item on my credit report and I did not recognize this company and have never done business with this company. I disputed this account with them directly and I have not heard from or received any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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
Complaint sub-issue: Information belongs to someone else

I have faxed, mailed and called Equifax, XXXXXXXX XXXX, and XXXX off and on since XX/XX/XXXX with a Police report, Identity Theft Affidavit and written narratives until today XX/XX/XXXX when I was on the phone for 2 hours to get Equifax to delete, block or remove with my police report. Equifax urged me to contact you here as well as call the FTC at XXXX. Today they disputed again the three charge offs and the address that is on my credit report. I was the victim of Identity Theft make them delete those accounts now.
Complaint sub-issue: Information belongs to someone else

Contacted Credit Agency Equifax multiple of times regarding fraudulent accounts reporting on credit file, incorrect personal information such as contact number and address, issue with online access to personal credit report and refusal to add/update account with extended fraud alert and consumer statement, incorrect late payments, reporting late payments on charged off accounts, credit denial due to lack of access to credit file after credit file unlocked, failure to send investigation results for disputes on XX/XX/2022 ( XXXX and XXXX ) etc. latest contact XX/XX/2022. I have spoken to multiple of agents from the consumer protection department who has refused to help and has disconnected calls.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act convergent accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : XXXX ) XXXX XXXX, XXXX -- Inquiry Date : XX/XX/XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX  account : XXXX ) XXXX XXXX XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX  : XXXX ( Delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX Account # 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 an account without my written instructions.

15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXXXXXX I was notified that my credit information including social security number, birthdate, and home address were compromised in a security breach with Equifax. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX through XXXX of this year.
Complaint sub-issue: Their investigation did not fix an error on your report

HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Fidelity is not protecting me from fraudulent use of a credit card it issued to me. 

Furthermore, Fidelity keeps telling me different things when I call to address the matter. Fidelity has told me to submit my claim one way and assured my card would not be charged, only to later tell me my card will be charged. Fidelity has repeatedly told me I would receive follow up calls in the past, and then they would not follow through at all. 

In addition, Fidelity representatives continue to tell me, inaccurately, that I bought a purported ticket and used it and that the ticket was non-refundable. Therefore I have to pay it whether I like it or not. However, I did not buy or use this ticket. Fidelity keeps telling me to prove I did not buy it, but one can not show evidence for something such as this that did not happen. Their fraud reviewal process is flawed and nobody at Fidelity has been accountable. Their credit card operation is a rudderless ship. 

Fidelity markets and benefits from credit cards, but does nothing to help its consumers. They disassociate themselves from the credit card and tell their clients they have nothing to do with it when there is a problem. Fidelity is only interested in taking your money, not in protecting it!
Complaint sub-issue: Other problem getting your report or credit score

My complaint is about Equifax. Over the past 12 months, I have had several medical bills. I pay them all promptly, as I do all my bills. I was taken to XXXX XXXX XXXX Hospital 's emergency room on XX/XX/XXXX. I was required to make some payments while being treated, and got some bills later from a doctor who saw me, and other amounts were covered by insurance. The Hospital never contacted me about an outstanding bill. Nevertheless, at some point the Hospital referred an amount of {$290.00} to a collection agency in Florida. I had never been contacted by the collection agency either. On XX/XX/XXXX, I got a credit alert that the matter had been referred for collection and that Equifax was the source for the credit alert. I contacted the Hospital and paid the amount on XX/XX/XXXX. Equifax investigated and found no other problems. However, my credit card company sent me a notice on XX/XX/XXXX that my FICO score dropped 131 points based on a score provided by Equifax. I called Equifax on XX/XX/XXXX, and their representatives claimed that they only provided information but not a FICO score. I called my credit card company and they verified that Equifax provided the FICO score. I can only conclude that Equifax is not being truthful. I see no justification for the drop in my FICO score and would like you to assist me in getting it restored.
Complaint sub-issue: Public record

Please have equfax update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney
Complaint sub-issue: Didn't receive notice of right to dispute

I have cleared/paid off a collection account with XXXX XXXX I, XXXX ( a debt collection agency ) for a credit card account originally with Citibank. This payment became official on XX/XX/2021. 

I have been told by XXXX XXXX XXXX XXXXXXXX that this collection account is eligible to be removed from my credit reports with XXXX XXXX and XXXX. I would like that done immediately since the debt has been paid.
Complaint sub-issue: Their investigation did not fix an error on your report

After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information 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 reinvestigation.