Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

This is the second time I am reporting and issue with how Equifax is handling a dispute on my credit report. I previously reported this same issue in XX/XX/XXXX. After reporting to CFPB the fraudulent collect was removed from my report. Equifax has listed the same collection on my report as of XX/XX/XXXX and will not remove. 

The fraudulent collection is from XXXX XXXX, they are attempting to collect a balance from my past account with XXXX for {$370.00}. The amount they are trying to collect is for phones that were allegedly not returned to XXXX at the ned of my contact. Collections began by XXXX and this company in XXXX and I have provided proof of return on multiple occasions. The proof of the return phone is a receipt from the XXXX store where the phone were initially purchased and returned. XXXX and the collections agency are saying the phone did not reach and internal warehouse and I would need to return to the store to track further. My responsibility was to return to XXXX, which was done at one of their corporate locations. The receipt from their corporate store listing both phones returned was provided to XXXX, XXXX XXXX and Equifax and prove beyond doubt that the phone were returned. 

This is fraudulent collections plain an simple. Equifax removed this dispute after CFPB intervened in XX/XX/XXXX. Equifax has decided to allow reporting a second time which is fraudulent on their part as they have previously acknowledge the debt not to be valid. There should be ramifications and penalty to Equifax for not maintaining a standard of protection for consumers. Participating and encouraging fraudulent reporting should carry penalties for this company.
Complaint sub-issue: Information belongs to someone else

PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT.
Complaint sub-issue: Reinserted previously deleted info

I would like to notify the CFPB that on XXXX XXXX, 2015 I received a notification from my Equifax and XXXX XXXX XXXX monitoring report that XXXX XXXX XXXX # XXXX was deleted and removed permanently from my credit report. I have just seen it reappear on my credit report after being gone for 4 months. Whatever has occurred is not legal and not professional. This account was insanely inaccurate and outdated past the statue of limitation. Its history was incorrect and so where the terms and balances and it WAS NEVER properly veered and subsequently deleted in XXXX. The fact that it has reappeared is affecting me greatly, I am fixing the inaccuracies and would appreciate the help of the CFPB to force Equifax to act lawfully and not try to ruin my life. I am a smart consumer, i am a student and becoming a XXXX. I have no time for this and would like to start my life now, please!!!!!!!!!
Complaint sub-issue: Debt is not yours

This collection is unknown. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
Complaint sub-issue: Can't temporarily delay making payments

I write to complain about the debt collection conduct of  XXXX , Discover Bank, and  XXXX  loan servicing. I owe about {$30000.00} on a private student loan I took out with  XXXX  to attend   XXXX   XXXX   in   XXXX   XXXX    XXXX . I graduated in  XXXX , and was working in the   XXXX   XXXX   XXXX   XXXX   XXXX   position when I injured my  XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got  XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of  XXXX   XXXX , I no longer can pay the loans.  <P/> I called  XXXX  well before  XXXX   XXXX -  XXXX   and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work.  XXXX  told me I was  only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment.  XXXX  began calling me in  XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings.  XXXX  then transferred the case to a new servicer,  XXXX .  XXXX  began calling on  XXXX   XXXX ,  XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no.  XXXX  has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency.  <P/> I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for  XXXX , but says I must make  six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken XXXX, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the XXXX language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

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 law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I purchased a car from Carvana on XX/XX/2021. Its now XX/XX/2021 and I haven't received a title. The contract has be reconstructed two times due to Carvana 's mistakes in the paper work. The car broke down in XXXX and it was repaired. In XXXX I recieved an email saying I hadn't made my car payments although I did. I called XXXX which is the company that manages Carvana 's car loans and they told me the account had been closed. I called Carvana back and they told me the loan was being reconstructed. I then get an email telling me to sign the new documents and the interest rate is incorrect. So now they have to rebuild the contract again. My car breaks down on XX/XX/2021. I call the warranty company and they tell me that the warranty was cancelled on XX/XX/XXXX. The vehicle is now stuck on the side of the road. I call Carvana and they tell me that I didn't sign the contract. Then she looks in the system is sees that I did sign the contract. I talked to two agents from Carvana and got disconnected from both. I check my email on XX/XX/2021 and I now have an email saying I owe {$2700.00}. I call XXXX and they say if I make a payment today they can stop the charge off. I made my payments from XXXX to XXXX and the account was closed in XXXX. Now I am stuck owing money that I already paid and without a car. All of this has happened in the last 6 months. The vehicle still has temporary tags and no one can tell me when and how to resolve this issue. This is causing undue stress.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX  XXXX XXXX : {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$100.00} ; Medical XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/2021, I paid off my current lease in full ( early ) and purchased my vehicle with a cashiers check. I followed their instructions, I completed the odometer statement, bill of sale, etc. I sent everything via overnight mail and per their request, I sent a cashiers check to receive immediate credit. Therefore, they received and were to began the process on XX/XX/2021. I contacted my bank and verified the cashiers check cleared my bank on XX/XX/2021. I have called twice. On the 0econd of the two calls I was told, I would receive everything by XX/XX/XXXX. As of today, it is 81 days since they received my payoff, immediate funds, documents and still I can not register, my car in my name, pay the sales taxes, etc. 

Thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX removed 5 accounts ( on XX/XX/2020 ) that were closed from my Equifax credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted Equifax and they stated that XXXX requested to have them removed. I then contacted XXXX and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.
Complaint sub-issue: Investigation took too long

Case XXXX is now 30 days old. I have recieved no correspondence at all from Equifax since the last response here. 

Equifax stated they would contact me with investigation results within 30 days. They have not. This is a violation and non compliance.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus last XXXX to update this suspicious information. I think you have not validated these items 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, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$8500.00}, XXXX XXXX XXXX Balance : {$230.00},
Complaint sub-issue: Account status incorrect

I filed chapter XXXX bk in XX/XX/XXXX. Best Buy/Citi was one of the creditors. They were notified of the filing but, continued to debit my bank account for previously scheduled monthly ACH payments which is a violation of the bankruptcy laws. I tried several times to stop the ACH pmt with them but, they continued for 2 months after being notified. I was finally able to convince my bank to stop the payment withdrawals by providing my bankruptcy documents. 
I have called Best Buy and requested the 2 late payments in XXXX and XXXX of XXXX. The account was not late. It was in chapter XXXX bankruptcy repayment they were notified. I have been denied credit by a mortgage lender due to the 2 late payments. I was informed by my lender that I can not have any late payments after the BKXXXX. I need Best Buy to remove the late payments from all 3 credit reporting agencies.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have been a Citibank Diamond Preferred Card member since XXXX Recently noticed a monthly charge of {$48.00} for " Payment Safeguard '' on my card and called. 
I was told it is for disaster assistance and it has been charged to my account since XXXX. 
I told them I do not have any recollection of agreeing to the charge and asked if they can prove it to me. 
They claim it may be that I signed a flyer. 
I never signed anything nor did I agree to anything by phone. 
I asked for proof of the flyer, but nothing yet.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XX/XX/XXXX : I received notice that my repayment plan was ending, and that I would have to submit a new IBR by XX/XX/XXXX in order to stay on the plan.
<P/>
XX/XX/XXXX : I submit an Income-based Repayment ( IBR ) Plan request, along with copies of my tax return.
<P/>
XX/XX/XXXX : I was informed by FedLoan that in order to process by IBR ( I was switching plans ) I would have to make a one-time payment of {$150.00}. FedLoan stated that they would inform me of the due date for the {$150.00} payment.
<P/>
XX/XX/XXXX : FedLoan informed me that they placed me on a Standard Repayment plan ( no reference was made to the IBR I had submit ), and that my new monthly payment was going to be {$420.00}, starting on XX/XX/XXXX. At this point in time, my payment history was up to date, with the next set of charges owed slated for XX/XX/XXXX.
<P/>
XX/XX/XXXX : FedLoan sent me a notice that my interest payment of {$150.00} was past due. I had never received a notice that I had an interest payment due in the first place.
<P/>
XX/XX/XXXX : I paid the past due interest payment of {$150.00}.
<P/>
XX/XX/XXXX : FedLoan sent me a notice that my request for lower payments was denied because I had not submit the monthly payment. When I logged on to my account, I saw that my monthly payment was now {$720.00} a month ( up from the previous $ XXXX/month ), and payment was not due until XX/XX/XXXX. I had been denied lower payments because I had not paid the monthly payment, which was not yet due.
<P/>
XX/XX/XXXX : I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/> XX/XX/XXXX : FedLoan did not process my most recent IBR, and so I was forced to pay the monthly payment of {$720.00}. I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/>
XX/XX/XXXX : FedLoan denied by IBR, stating that they did not have a copy of my most recent tax returns. <P/>
XX/XX/XXXX : I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/>
XX/XX/XXXX : I received a phone call from FedLoan Servicing about my student loan. I called them, and they informed me that my IBR had been denied again because I did not submit my tax returns. <P/>In talking with the agent, I expressed concern that I could see on my FedLoan account that I had uploaded the tax returns four times, and did n't understand why she could n't access them. <P/>She said that I had only uploaded a payment voucher, and not a tax return. <P/>I asked her to open the document again and to scroll down to the fifth page, where she could find the tax returns. She did as I asked, and confirmed that yes, they had copies of my tax returns, and that she could see all of the previous tax returns that I had uploaded. <P/>My IBR has been on hold because no one could be bothered to scroll past the first page of a 21 page document. <P/>The agent informed me that she would send my request for expedited processing.
Complaint sub-issue: Their investigation did not fix an error on your report

Reached out multiple times explaining to XXXX XXXX I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) trans unions reporting without my consent is considered unauthorized use of my credit card, social security number
Complaint sub-issue: Investigation took more than 30 days

I sent a letter on XX/XX/2021 and i have not received no answers. I am such in distress and i feel like my letters get ignored. I pulled my credit report and there is unauthorized used of my credit report.
Complaint sub-issue: Attempted to collect wrong amount

On Friday XX/XX/2018, I made contact with XXXX trying to find out why an old account with XXXX XXXX has not been deleted from my credit as of yet. My argument with XXXX was throughout the past year, I've sent advanced dispute, debt validation request to XXXX XXXX XXXX to validate a repo debt that was being reported incorrectly showing the wrong amount. The representative stated we will reopen investigation, but could not state what the company was reporting back to them. I contacted XXXX XXXX   myself by phone since they never responded back to my Debt validation letter and the representative I spoke with stated that my account was turned over to a in party 3rd collection group called XXXX XXXX XXXX and they don't have my account in their files which mean they was unable to validate the debt. I never received a call from XXXX XXXX nor or they reporting to my credit. The representative their couldn't locate my account but ask me to pay XXXX when it's reported to XXXX as XXXX. I XXXX the company information online and it's listed as a scam. I'm asking that XXXX XXXX is remove from my XXXX   credit report. And I also request hat XXXX XXXX do not contact me. The statue of limitation to collect a collection debt in the state of SC is listed as three years and it's been almost 7 years.
Complaint sub-issue: Seized or attempted to seize your property

Today I received a debt collector letter from the XXXX XXXX stated I owed to Citibank the amount of {$900.00}, I believe this type of action is fraudulent on nature between Citibank and its Debt Collector XXXX XXXX. 
I disputed the same amount {$900.00} with Citibank several years ago also I did disputed las XXXX 2016 with another Citibank 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask Citibank and Its Debt Collector XXXX XXXX to cease any collection on the amount they said I owe them. 
There is the second time CITIBANK is attempting to collect something I disputed on the past, I do n't know if At this time Citibank and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX of 2021 I submitted a certified letter to XXXX, Equifax, XXXX, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022, I received a text message from Citibank. I tapped on it and called, I verified who I was and thought it was Citibank and it was not. I realized something was wrong because I began to receive messages from XXXX, saying money was removed from my account. I went to the branch of Citibank closest to me. As I entered the bank someone called me from Citibank asking if I gave permission for a wire transfer from my account. I said no and explained my situation to the costumer service representative. She then closed my account and notified the wire fraud department. The following morning I went to the police department, made a claim, went back to Citibank making a claim description, making out an affidavit of unauthorized online wire fraud. All documents were notarized. A copy was given to XXXX XXXX of the XXXX XXXX in XXXX XXXX, XXXX and the other to the bank. I am a senior, XXXX XXXX XXXX XXXX XXXX, I have been a costumer at Citibank for over forty years. I have never made a wire transfer in my life, nor did I give permission to anyone to remove money from my account. XXXX XXXX dollars was fraudulently taken from my account. I believe Citibank was delinquent in allowing 12 separate transfers from my account to XXXX.