Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

Hello, I have a complaint. After watching an Infomercial on TV about credit. I decided to get a copy of my credit report and sure enough it contains errors and 4 collection accounts I know nothing about them. I tried to reach out to Equifax by phone and I have not been able to reach anyone live for the past few weeks. I have also sent my disputes in the mail and I have yet to hear back. I'm not sure if they are open but I want to let you know what I am dealing with and hope we can get the situation resolved immediately. 

That said, I have 4 unknown collection accounts being reported on my Equifax credit file. The frustrating part about all this is that Equifax only list the name of the collection agency on my credit report- they do not list the companies address or my account number that is tied to the debts- I sent a letter to one of the collection agencies and they said they could not find an account with my name/address in their system. 

The following account that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Notification was given to me through legal affiliation that I was being notified by a local attorney and debt collector of a debt owed to an online lamp company in the amount of XXXX dollars for a XXXX dollar loan. 
A response was sent in the form of a validation of debt request in my behalf. 22 days later a response was sent back with a generic arbitration outline, a generic statement of charges and a letter from the representative stating the debt " appears '' to be valid and that " I should contact '' thier office and they would continue to pursue collection actions which " could include legal actions. '' The requirements of the FDCPA and FCRA minimums were not met as per the FDCPA. 
No contract with a wet ink signature provided, generic statements with no banking information provided. 
Further validation with valid information must be provided.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I notified XXXX with XXXX XXXX XXXX over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from Jefferson Capital Systems , LLC who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.
Complaint sub-issue: Didn't receive enough information to verify debt

I've contacted the consumer reporting agencies several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$180000.00} XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED   XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Account status incorrect

XXXX XXXX obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.
Complaint sub-issue: Account status

In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.
Complaint sub-issue: Information belongs to someone else

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - XXXX  XXXX XXXX status closed charge-off {$3100.00} In XXXX  1- XXXX XXXX on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX  status closed charge-off {$3100.00}
Complaint sub-issue: Information belongs to someone else

I recently looked at my credit report and noticed a fraudulent medical collection. 
account is : XXXX  XXXX medical collection
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX & they told me I've never missed a payment, yet XXXX BUREAUS refuses to update me from being listed late payments on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX BUREAUS job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Complaint sub-issue: Problem getting my free annual report

I have a XXXX XXXX card which, if I pay my statement online, allows free Fico score. 
When I set up my payment this month I checked the Fico score and found that w/o warningit had dropped from near XXXX to XXXX in one month. I have spent 3 days trying to found out whyand have been all over the internet. YES, with the big XXXX! They want you to fill out and givethem everything but your birth certificate and then at bottom near submit button and in fineprint, they want a monthly fee! There is a form you must download and fill out and send inbut I can NOT get a full copy ; I have tried to turn it clockwise, counterclockwise, shrink it ; ETC. 
Still can not get full copy. It may say FREE but you finally give up!!!! I am XXXX years old ; I cannottake this anymore. I just want a FREE credit report!! Oh yes, XXXX of the big XXXX say mycredit report is NOT available online, hence the reason I have tried to get a form to fill out. 
And I need to see a report as I have NOT opened any new accounts, all my bills are paidonline monthly and I have checked my credit cards and do not see any unusual activity. 

PLEASE, PLEASE HELP ME!!!!!
Complaint sub-issue: Didn't receive terms that were advertised

I Opened A Virtual Wallet account on XX/XX/2019 With PNC Bank. I Was Not Giving A New Card And My Old Card Was Deactivted. Messaged PNC Via Online Chat Was Told The Card fee And expidted Card Would Be free. On. Monday XX/XX/2019 I Was charged For both the card fee and Was told they would monitor the account. and they will not .take it off immediately And that the woman XXXX XXXX Would not approve me for the promotion going on for recieving XXXX XXXX XXXX or XXXX dollars after sixty days and think that its very unfair Considering the hassle pnc. has given me regarding opening this new account.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt was paid

XXXX XXXX XXXX  has been attempting to collect a debt on behalf of Macy 's that was paid in full to Macy 's. They continue to post negative credit reporting against my report despite the payment being made in full. 

We were in the process of re-financing our home and this transaction required that we receive a payoff amount from Macy 's and rectify the outstanding debt. We received the information from Macy 's for a XXXX payoff of {$3500.00} that was then sent by XXXX XXXX  XXXX to Macy 's on XX/XX/XXXX and deposited by Macy 's on XX/XX/XXXX. 

We received additional collection in XXXX of XXXX via mail and responded to them on XX/XX/XXXX outlining the incorrect facts that their purported collections were based on and informing them that they had 30 days to rectify the situation. They responded in late XXXX, via mail again and are maintaining that their collections are valid. 

In XXXX, Macy 's offered a settlement at nearly half of the value that was paid and the value that was paid was the full amount of the outstanding debt. I believe that XXXX is performing collection practices that are outside of FTC regulations and local ordinances.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2022 I made a second payment on my credit card in the amount of {$570.00}. My available credit balance was not increase to reflect my true available balance until yesterday. 

After calling and speaking to three customer service agents at Discover, I was given false information when I was told that XXXX XXXX was holding the money that I paid to Discover via my checking account. However, yesterday I finally spoke with XXXX, a XXXX  with Discover who gave me great service and gave me the truth. He then referred me to the department that was responsible for placing an eight ( 8 ) day hold on my funds. No explanation was given to me as to why an 8 day hold was placed on my funds so that I did not have access to my funds that I paid. The representative who I spoke with told me that my payment was flagged for verification but she did not tell me why. Also, I was never notified as to my money being held for 8 days. 

Because I check my numbers and accounts everyday I was aware of the hold and my available balance not increasing for 8 days. No credit card company or financial institution should be allowed to do this to a consumer who pays their bill on time with an explanation. Therefore, I am filing this complaint against Discover card for suspicious behavior that could have caused me great harm had I been in a situation where I needed my funds.
Complaint sub-issue: No notice of investigation status/result

I have been requesting verification of the following account that 's being reported on my credit report by Equifax, Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. 
I called XXXX using the number listed on my credit report via Equifax at XXXX and spoke with XXXX, agent ID # XXXX and she assured me a security freeze was placed on my file as of XX/XX/XXXX and such verification was not possible. She also did some research and confirmed that there was NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. Furthermore, XXXX XXXX NOT verify the information that Equifax shows as reported on XX/XX/XXXX. 
I 've contacted Equifax since but they 've refused to investigate. If Equifax can not verify the account when investigated, it must be removed. Therefore, I demand that this public record Bankruptcy # XXXX be removed from my credit report due to lack of verification and inaccurate reporting of verification date! 
Keep in mind that the XXXX agent has confirmed that Equifax 's so-called " verification '' on XX/XX/XXXX did not take place. It was not reported by them because my credit file had a security freeze on it that date and so forth. XXXX do not disclose information on files that have security freezes in place. 
I have disputed this account and repeatedly requested proper verification as well as documentation but Equifax has failed to provide me with any. What I get instead is XXXX address and false records stating " account is verified ''. Again, I demand that the unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT REPORT DUE TO LACK OF VERIFICATION AND INACCURATE REPORTING OF VERIFICATION DATE.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I purchased a hotel on XXXX XXXX. However, I was charged for XXXX different hotel rooms, at different hotels, on the same night. I only booked and used XXXX. The other one was never checked in. 

I disputed the incorrect charge, and Citi credited the account and resolved the dispute in my favor. 

However, after I had opened a CFPB complaint with Citi for a separate dispute for defective merchandise that both Citi and XXXX refused to reimburse, Citi reopened this hotel dispute in retaliation for my CFPB complaint, and recharged my account for the {$360.00} that they previously recognized as incorrect, resolved the dispute in my favor and credited my account, and made the credit permanent.
Complaint sub-issue: Attempted to collect wrong amount

CONTINUED FROM COMPLAINT XXXX JEFFERSON CAPITAL PURSUANT TO 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

I THE CONSUMER IAM AWARE THAT I AM ENTITLED TO MONTARY RELIEF UNDER CERTAIN CIRCUMSTANCES. HAVE SUSTAINED DAMAGES BECAUSE OF YOUR PRACTICES. I HAVE BEEN DENIED FOR CREDIT MANY TIMES DUE TO YOUR UNLAWFUL FURNISING OF COLLECTIONS TO CONSUMER REPORTING AGENCYS. I ALSO HAVE TO PAY HIGHER INTREST RATES WHEN I AM APPROVED. I HAVE NOT BE ABLE TO HAVE A GOOD RELATIONSHIP BECAUSE OF YOU. I AM DEMANDING YOU SHOW A GOOD FAITH AN MEET MY DEMANDS AND WE MAKE SOME TYPE OF AN AGREEMENT. 

YOU KNOW THAT YOU VIOLATED LAWS YOU REMOVED ACCOUNT FROM REPORT HOWEVER YOU DIDNT WANT TO PROVIDE MONTARY RELIEF. WELL DELETION IS ADMISSION OF WRONG DOING I RATHER SETTLE THIS MATTER WITH OUT LEGAL ACTION. IF SOME TYPE OF AGREEMENT IS NOT MADE LEGAL ACTION OR ARBITRATION WILL BE NEXT. 

AS I THE CONSUMER HASNT DONE ANY BUISNESS WITH THIS COMPANY THEY HAVE NOT PROVIDED NOR HAVE I SIGNED ANY ARBITRATION AGREEMENT WITH. IN THAT CASE I THE CONSUMER MAY USE ANY METHOD OF CHOICE. 

YOU CAN NOT DECLINE MY REQUEST FOR MONTARY RELIEF IF YOU BROKE THE LAW, I HAVE PROOF OF YOU VIOLATION. I HAVE PROOF OF YOUR UNFAIR AN DECEPTIVE PRACTICES. 

AS STATED ABOVE GOING THE LEGAL WAY WILL COST THIS COMPANY WAY MORE TIME AN MONEY HOWEVER, I AM WILLING TO FIGHT FOR MY CONSUMER RIGHTS I KNOW MY RIGHTS I INTEND TO ENFORCE THEM AT ALL TIMES. 

A GOOD FAITH EFFORT WOULD BE GREATLY APPRICATED A GOOD FAITH EFFORT SHALL RESOLVE THIS SITUATION I THE CONSUMER AGREE TO SIGN TO ANY NON-DISCLOSURE AN NOT SHARE INFORMATION ABOUT RECIEVING ANY MONTARY RELIEF WITH RESPECT TO THE COMPANIES CURRENT CLIENTS. 

THE ABOVE ONLY APPLIES ONCE A MONTARY RELIEF PAYMENT HAS BEEN MADE OR ARRANGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Reccently, I did an investigation on credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of EducationXXXX 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 Thank you very much for your time.
Complaint sub-issue: Debt is not mine

I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything
Complaint sub-issue: Personal information incorrect

To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( 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 Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 report agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
XXXX XXXXXXXX # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.
Complaint sub-issue: Account information incorrect

I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX and XXXX XXXX with no successful resolution. Equifax, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Daily I receive emails, phone calls, including at work, and text messages claiming attempts to reach me have failed and threatening to take next steps. I have documented proof that I have emailed and written to them on numerous occasions indicating that I want to resolve the debt but need payment plan options and to contact me by email. The only response I get is a continuation of emails and phone calls and texts indicating their numerous attempts to contact me have failed.
Complaint sub-issue: Card opened as result of identity theft or fraud

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! 

XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Complaint sub-issue: Account status incorrect

I have been trying to get a student loan from PNC banks corrected on my credited report. It showing payment was late over XXXX times corrected when the loan was in forbearance or it was in a bankruptcy status. Its showing that I was late over XXXX times which I never was in a repayment stage and have tried numerous of time to get that corrected and have been unsuccessful.