Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX, 2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. There were two charges from XX/XX/XXXX, one for {$54.00} and one for {$9.00}. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. 

I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

I have now filed two disputes with my bank regarding the situation. They denied the first dispute, saying that they needed additional proof. I called and spoke with someone who resubmitted my dispute and emailed the requested documentation. They have denied my claim for the second time, citing that I did not return the food or let the food be picked up for return and that there was no explanation as to why the food was incorrect. I fully detailed what the problem was both in my phone calls and via the email that was sent to key bank. I also included supporting photos, showing that the company was not willing to do anything to correct the situation and also showing the incorrect food. I'm not sure what key Bank is talking about when they say that supporting documentation was not provided, because I was very clear on the issues and again, supplied photos corroborating my story.
Complaint sub-issue: Information belongs to someone else

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain mortgage.
Complaint sub-issue: Information belongs to someone else

Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with
Complaint sub-issue: Their investigation did not fix an error on your report

There is a XXXX XXXX account number XXXXon my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.
Complaint sub-issue: Information belongs to someone else

Trying to work with Equifax has been horrible. Terrible language barrieries and repetitive script reading. I have submitted multiple FTC reports regarding the inquiries. These have yet to be removed because the agents at Equifax can not read. Here are the inquiries I have requested several times to be removed. 

( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( XXXX XXXX XXXXXX/XX/XXXX ) ) ( ( XXXX, XXXX XX/XX/XXXX ) ) ( ( XXXX XXXXXX/XX/XXXX ) )
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX  XXXX. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  XXXX XXXX  XXXX  ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX     2017  I mailed a certified letter to  XXXX  and Equifax disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.
Complaint sub-issue: Debt is not yours

To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, RECOVERY ONE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of XXXX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. RECOVERY ONE LLC* is held liable as well for defamation and in the state of XXXX a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with XXXX LAW. I also believe that this business is not registered to operate in the state of XXXX. I expect this collection account to be removed from my credit report. RECOVERY ONE LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Complaint sub-issue: Account information incorrect

accounts appear on my credit report that I do not recognize and have not authorized.
Complaint sub-issue: Account information incorrect

I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XX/XX/XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.
Complaint sub-issue: Debt is not mine

Citibank continues to make calls to my home concerning a debt for XXXX XXXX. We have told told them onXX/XX/2015, XX/XX/2015 XX/XX/2015, a total of 21 calls, speaking to a XXXX and XXXX this is not our debt
Complaint sub-issue: Debt is not yours

Im logging in to my credit monitoring an revealed I collection that I dont have no acknowledgment of an never had or open in my entire life
Complaint sub-issue: Account information incorrect

They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with Equifax today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX  XXXX  and she was XXXX  ... she couldnt accept herself that she was XXXX  and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act convergent account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXX openXXXX  chg off/closed XX/XX/XXXX shows activity XXXX  XX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of XXXX on XX/XX/XXXX XXXX On XXXX shows different date closed XX/XX/XXXX. Amt owed XXXX this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe XXXX. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe XXXX this is not my acct. XXXX # XXXX Open XX/XX/XXXX XXXX off/closed last pmt. XXXX XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of XXXX and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681. Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the 2017 Equifax Data Breach and I have made that very clear to Equifax. I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX  XXXX. I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. 

They willingly continue to break the law and they do not even add in files that I have sent to have on my record. These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/EQUIFAX/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX  XXXX  : # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive services that were advertised

On or around XXXX, I saw alot of pre-approvals on credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of all different pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers I logged in to check my credit scores. So after a few months of being told I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we where going to use these pre-approvals for. So I finally applied on are some time around XXXX  and I got denied for two credit cards and a personal loan. I was distract, I was very angry and I felt decived. I was markted to for months, so credit karma told me that I was pre-approved this was a LIE. I was servely stressed out, I was nauseous for weeks, I had XXXX  so bad I became antisocial. My XXXX  went from XXXX to XXXX now everytime I see pre-approvals I immediately close my phone and shut it off. This has made me so uneasy and XXXX  that i haven't checked my credit as frequently.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Two watches were ordered, they only sent one. Disputed on their website twice yet charges remain. Ugh. Please help. I shouldn't be responsible for this charge and the payment is due soon and no one will respond. I should only be charged for the one item they actually sent.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It XXXX Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers XXXX : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX/XXXX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX/XXXX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I've tried to fix these issue that are showing up on my account. I had identity Theft happen which I notified the credit bureaus, the police department, and the creditor as well. I have been trying to get this resolved for over a year in a half.I tried to provide information to the three credit bureaus and I have been unsuccessful. The creditor tried to take me to garnish my wages in which I was successful in court that I am not at fault and creditor did not do the things necessary to communicate this debt was mind. I was found not responsible for any liability of debt when came to repossession on my credit report. The person also tried to open accounts in my name and also default on two credit card. I hope that the copy of the police report, credit affidavit, court documentation, will be enough evidence to release me of these items that are hurting my credit. XXXX refuse to acknowledge the evidence and remove this item off my credit report regarding the repossession. XXXX and Equifax will not remove this collection or inquiry that were also affected by these events
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent a certified letter dtd XX/XX/2018, to Equifax disputing a particular account on my credit report. Equifax responded on XXXX, XX/XX/2018, stating that they researched the account and verified it belonged to me. I sent another certified letter on XX/XX/2018, requesting their method of verification by ways of copies of a legally binding contractual obligation to pay this account bearing my legal and valid signature, as per the FCRA 611 ( a ) ( 7 ). On XX/XX/XXXX, I received a letter from Equifax, again stating that this account was verified, without any of the artifacts, I requested.
Complaint sub-issue: Account information incorrect

I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with   XXXX   and Equifax. Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I discovered that my card had been stolen when I received a bill in re to purchases made. I have always paid my account payments on time without issue and in XXXX paid the account in full. I have not used this card since that time. 

There were multiple items purchased including those that were delivered to an unknown address. The store has denied my claim of fraud stating that the purchases fall within my purchase pattern. Prior to these purchases, the card was rarely used and used last in XXXX, 2018 for XXXX items for children. I did not make any additional purchases. At this point, it has been almost two months. Total amount of fraudulent transactions is {$390.00} PLUS INTEREST and FEES.
Complaint sub-issue: Information belongs to someone else

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. 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 unverified information. Below are the accounts that are still reporting on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to the following account below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status is still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX XXXX