Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2019, I was fraudulently billed {$300.00} by XXXX XXXX. The agent charged this amount without my consent. A week later, I contacted the merchant who said they put their agents before their customers and would not refund the unauthorized charge. I contacted Citibank to help settle the dispute. I provided documentation and details on the incident to Citibank and was given a conditional credit. On XX/XX/XXXX, the credit was reversed and I was told to contact XXXX XXXX again. I contacted the merchant again, and was again told that no refund would be given despite the changes being fraudulent. I reopened another dispute with Citibank and simultaneously closed my credit card after receiving a conditional credit. Before closing my account, I spent 3 hours explaining to the account manager that I have been a loyal client for over 15 years and that I would be happy to continue doing business with Citibank if the issue could be resolved.

Two months later, despite the account already being closed, I received a bill for the {$300.00}. I immediately contacted Citibank again and informed them of my refusal to pay, and that I would be seeking legal action if the charges were sent to collection. My warning was completely disregarded and despite the account being close, more charges were added in subsequent months ( totaling {$240.00} in additional fees ) until the matter was sent on to the credit bureaus. I am now in the process of applying for a loan to purchase a house and am unable to do so because of this matter. 
I have spent an exorbitant amount of time and energy attempting to remedy a conundrum that rooted from a fraudulent charge. Additionally, I have suffered unwarranted financial hardship. Before seeking legal counsel, I am looking for an honest resolution for a good, long-standing customer.
Complaint sub-issue: Their investigation did not fix an error on your report

I am re initiating this claim for the unauthorized inquiry on XX/XX/XXXX because their response to my 1st complaint is deceitful. I have never done business with this company and they have sent me a letter requesting my social security number in order to look into my claim. I provided sufficient information for them to look into this unauthorized inquiry in which they themselves do not know for what reason or on whose behalf it was initiated. Here is their response to my 1st complaint " In response to this complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Clarity Services emailed the consumer to obtain the information necessary to assist the consumer with her concern. On XX/XX/XXXX, Clarity mailed the consumer a letter requesting the information necessary to assist the consumer with her concern. As of XX/XX/XXXX, Clarity has attempted to reach the consumer using all communication methods provided in the complaint. The consumer was unresponsive to Claritys attempts to resolve their complaint. '' I sent them a follow up email response and never heard back from them. Instead, they drafted a new email trail re iterating without responding. She wanted to work on my claim via phone and I said I prefer email. See attachments
Complaint sub-issue: Information belongs to someone else

This account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX  XXXX XXXX  then sold this account to XXXX XXXX XXXX XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME XXXX XXXX HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) 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. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has failed to validate information I disputed on my credit report. They have failed to provide me copies of any documentation associated with the  XXXX  accounts I disputed, bearing my signature. In the absence of any such documentation bearing my signature. I asked that if the information was not provided that it be deleted immediately from the credit file under my social security number. There were  XXXX  unfamiliar accounts that appeared on my credit report. I have no contract signed with any of these companies so I filed a dispute with the credit bureau and they said it was mine but have not provided me anything bearing my signature from the clients they claim to have verified with and me having a common name I typed the name in on  XXXX  in my area and there are over  XXXX  people with the name  XXXX   XXXX . In my letter to the credit bureau that I send in  XXXX    XXXX  , I challenged the accuracy, compliance and report ability of the listing. The  XXXX  accounts listed are  XXXX .    XXXX   XXXX  services  XXXX .     XXXX   XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I was requesting a credit line increase. However, I was never told it was going to be a hard inquiry to pursue a credit line increase until the very end of the call. At that point, I declined to pursue the credit line increase, and the call ended. However, a few minutes later I got a notification about credit activity and the hard inquiry was done anyway, even though I gave no consent to do so. I reached back out to the creditor and they said they'd look into it. I have the letter stating the creditor admits to pulling my credit report prior to receiving my notification but will not remove the inquiry from my report. Therefore, I'm enacting my right from the Fair Credit Reporting Act Section 1681, and would like the {$1000.00} fine from the creditor for the erroneous inquiry since they will not remove it from my credit report. 

The creditor is Citibank, N.A., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

The  Compa  ny : Enhanced Recovery  Co  L  address:  XXXX   XXXX   XXXX   fl  XXXX , placed a collection account for {$300.00} without notifying me that there was even an attempt to collect a debt or even information to dispute the collection. The company is in direct violation of the Fair Debt Collection Practices sect ion 809 ( a ). Validation of debts. The company has placed this negative mark on my credit reports and I would like it removed because it is hindering my chances to gain other credit and tarnishing my name that I have been working to clear in inaccuracies in order to maintain good credit.
Complaint sub-issue: Information belongs to someone else

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, somebody used my personal information and applied for it, They put incorrect name as XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

We were victims of hurricane Irma in XXXX Florida. Our power was out for a week from XXXX XXXX through XXXX XXXX. Due to limited access to internet and financial and government institutions being closed, I missed a {$15.00} payment on my credit line. On XXXX XXXX, I called PNC to make payment and bring the account current. I spoke to XXXX XXXX at PNC at XXXX. He assured me the late hit on my credit report would be reversed. I tried reaching out several times following our initial conversation leaving voice messages with XXXX XXXX at PNC with no reply. PNC needs to reverse the 30 day negative late on my credit report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was in the hospital and had no insurance, I was advised to apply for XXXX which I did and received. The hospital bills did not get paid and I went back and forth trying to get them paid. I started getting collections calls and agreed to pay a discounted payment. I had several different bills some were small I paid them in full. I made agreements with the bigger owed bills. When I went to refinance my mortgage I was denied because of a collection debt on 2 of my credit reports bringing down my score considerably. I got the information and called to collection agency, I was told that the bill was still outstanding even through on my paperwork I had marked it paid to another agency. 
When I spoke to the representative she told me that she could discount the balance by 40 % so I paid the bill. When I ask her when the derogatory mark would be removed from my credit reports she said since I didn't pay the entire balance owed it would not be removed. She said all I had to do was pay the entire balance, really! I have never heard of something so unfair. One of my other larger bills went to XXXX they worked with me gave me time to contact my insurance co, never put it on my credit report and I we settled on a balance and it was paid. So now they will not remove it, not only is it showing up as a collection account but also a late account and will remain on my credit for 7 years, for something I wasn't even away of. I did receive a couple of statements but the amount being billed was the same as the bill I had paid to XXXX, I just figured it needed time to catch up with the payment and then the bills stopped. The bill is paid and should be removed entirely from my credit report, they basically blackmailed me to pay the entire balance and I was unable to. I thought with all the copies of bills and what was paid I would be able to get it removed by disputing it. I don't think it's fair that I have to go back to the agency and pay the remaining balance to get it removed from my credit report, and what guarantee do I have that they will. I'm still hoping to refinance before the rates go back up. Can you help me?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuse to investigate and remove a 3rd party collection agency incorrect information on my credit report. I have no knowledge of this of this agency XXXX XXXX. I have NO CONTRACT OR SIGN A CONTRACT WITH THIS 3rd party COLLECTION AGENCY. I have disputed this fraudulent information 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Equifax will not remove this 3rd party NO CONTRACT debt. After disputing the fraudulent charged Equifax let the consumer/3rd party XXXX XXXX XXXX place a refusal to dispute on my credit report ; which states I can no longer dispute the 3rd party XXXX XXXX XXXX charge and it will remain on my credit report along with the collection agency statement for other creditors to see if i apply for credit. XXXX XXXX refuse to take any more of my complaints or disputes. The issue I have is why Equifax allow a collection agency to put a statement on my credit report to reject any of my disputes or complaints and also to let other creditors see ony credit report? This is not the law for FCRA Fair Credit Act Report guidelines. This type of action from Equifax is out of FCRA compliance requirements for a customer contesting incorrect accuracy of information on their credit report. This is the type of treatment these credit bureaus need to stop immediately. I have every right to dispute 3rd party collections NO CONTRACT fraudulent information. These 3rd party collection agencies have no right to collect a dime when a client have no contract or agreement with their business. Also, Equifax never increased my credit scores after Department of EducationXXXX informed them that over {$150000.00} school loan debts were paid in full. Equifax removed the debt, but no increased credit score. My understanding when debts are paid in full credit scores should increase. There were 25 Department of Education/XXXX loans paid in full ; however, there were no credit score increase to show loans were paid in full.
Complaint sub-issue: Public record

The IRS withdrew my tax lien but Equifax is showing it on my credit report as " released. '' I requested an investigation but got nowhere. Equifax simply confirmed the incorrect information. A withdrawn lien is supposed to be completely removed from my report altogether!
Complaint sub-issue: Their investigation did not fix an error on your report

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

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Charge-off : XXXX XXXX XXXX XXXX Balance {$7000.00} ; XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX  XXXX XXXX Balance {$5400.00} ; XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX A XXXX Balance {$2200.00}
Complaint sub-issue: Problem with personal statement of dispute

This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to XXXX XXXX XXXX  account # XXXX and Discover account # XXXX 15 USC 1681section 602A states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Didn't receive terms that were advertised

I participated in an account opening bonus program for XXXX dollars when I opened an account and make a direct deposit. But there's no bonus applied on my account.
Complaint sub-issue: Debt is not mine

I made a complaint about this debt not being mine through XXXX and now it is showing on my XXXX credit reports. This debt is not mine. I do not know whos account it is. but now it is affecting all XXXX of my credit reports
Complaint sub-issue: Information is not mine

I have disputed these XXXX companies XXXX and XXXX XXXX XXXX are fraudulent accounts that do not belong to me. I have disputed these accounts withEquifax and all I seem to get is the same old spill " ACCOUNT HAVE BEEN VERIFIED ''. These accounts have not been verified nor validated. I contacted both the collection cied so they can VALIDATE these accounts asking them for some signed contracts with my signature on them to validate these accounts and I have not gotten a response and its been more than 30 days.
Complaint sub-issue: Didn't receive enough information to verify debt

I pulled my credit report and noticed this collection. When I attempted to contact the creditor and collection agency I was told this debt was for my daughter and they attempted to contact me via phone 7 years ago.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I was approved for a Business Line of Credit with XXXX XXXX XXXX in XX/XX/2019 and as a requirement to keep the BLOC active, there policy is that you have to open a business checking as well. So the banks policy is to use XXXX to check you consumer report with lexis nexis. Upon opening the account in XX/XX/2019 there was no freeze on or any other issues showing on LN. So on XX/XX/2019 I tried to cash a check against the BLOC at the bank and was informed that they couldn't because XXXX showed a frozen account with LN. I called them several times and they reported that the freeze takes 15 mins to be removed. Each time I called them back they said the system showed it was removed ... however after contacting XXXX, each time they said there was a consumer freeze. Enclosed you will find a copy of a letter I received from XXXX XXXX  showing the freeze current as of XX/XX/2019. Also I'm including a series of emails of me requesting the freeze being removed and showing LN,  admitting that there was an issue on their side and infact the freeze was still showing. This has been going on for a couple of months. This has placed financial strain on my company, because XXXX XXXX has closed my business checking account and refunded me the money I opened the account as well as closed my Business Line of Credit. I'm enclosing both emails to LN on removing the freeze ... one will show that I responded to LN that I will be filing a complaint against them and one shows me just recently requesting and update and again they repeated the same lie as in the past. Note on that email correspondence at the bottom, that they categorized it as closed. So what does that mean, closed. This mis handling of my account has caused me financial harm and weeks of wasted time trying to get this matter fixed. I want this matter resolved immeadiately, or we will be taking more serious measures. 


XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX XXXX  XXXX was back in my report! 
- Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX  to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Complaint sub-issue: Old information reappears or never goes away

I hope all is well All three credit bureaus are saying I made heavy use of available revolving credit and this is no longer correct it needs to be taken off and fixed. Im not making heavy use of available revolving credit my debit to income ratio is 13 percent. The remaining balance on non mortgage or installment loans are to high and this is incorrect I dont have a mortgage or no installment loans this needs to be removed as well and reflect correctly.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

This is an error on the provider for not properly billing any insurance. I never signed any contract stating I am responsible for any debt and even informed everybody that I would not do any service that would involve an out of pocket expense
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing these accounts for so long that I havent got a positive result. I am asking them for proof that I was ever late so it will be justified but I think it only fall on deaf ears. I am writing a complain to you to help me sort things out. I am sure that I was not ever late with these accounts. Please help me get them off my credit report.
Complaint sub-issue: Account information incorrect

I had received an inquiry from XXXX  on equifax. I immediately called XXXX when I saw it and they had no record of me. And I did not apply with them. It was XX/XX/2021 .So I disputed it immediately..it still shows on my report and the dispute is still open with Equifax. XXXX in.
Complaint sub-issue: Account information incorrect

My Mortgage Account with XXXX XXXX act # XXXX was paid in full XX/XX/2020. Upon checking my Equifax, XXXX  and XXXX credit reports XXXX XXXX last reported to the credit depositories was in XXXX still showing a balance. 

XXXX XXXX has not provided any reporting to the credit bureaus since XXXX ACCURENTLY showing that my mortgage is PAID IN FULL. 

I am requesting the Consumer Federal Protection Bureau contact XXXX XXXX to report my mortgage Paid in Full to all 3 credit bureaus.