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

Equifax, XXXX, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
Complaint sub-issue: Account status incorrect

I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, Equifax and XXXX to accurately reflect the account status o my Credit Reports!!!!
Complaint sub-issue: Account status incorrect

I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.
Complaint sub-issue: Problem with convenience check

Good morning, I have requested a copy of a convenience check wrote from bank of the west. It is a balance transfer check. The check was cashed. I need a copy of the check for litigation.. Bank of the west states they can not find a copy of the cancelled check. If he bank can not provide me a copy of the check the charge should be cancelled? 
I need your help to get a copy of the check. the check was cashed XX/XX/2022. bank of the west states they can not help me. 

We are unable to locate check # XXXX for {$1200.00} on your account. 

This can not be true. Can you help me resolve this problem?
Complaint sub-issue: Didn't receive notice of right to dispute

( Jefferson Capital Systems LLC ) At ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) Has Been Sending Me Collection Notices In The Amount Of ( {$720.00} ). The Collection Has Been Reported As A Pasted Due Balance. I Do Not Know This Company. I Have Never Done Any Business With This Company. This Company Does Not Have A Contract With My Signature.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I opened the credit card for Goodyear ( through Citi Bank ) on XX/XX/2018 when I got a job done for {$630.00}. The account was immediately opened and I was able to use it then. This was the only time I used this card. They were supposed to send me a physical card, and when I did not receive it in 6 weeks I called and found out my balance was over {$1200.00}. I live in Florida, and there were two charges made in XXXX, KY where I had previously lived. There was a cash advance ( Im unsure of that exact date ) and then a service job done for {$660.00} done on XX/XX/18. The company had send my physical card to an address that was never on any applications, and one that I havent lived at in over years, in a completely different STATE than where I was/am currently residing in. After I found this out I immediately opened a fraud alert and then made a police report. I told the company the only purchase I made was on XX/XX/XXXX and all others were fraud. I had to open a fraud case 3 separate times with this company ( that they kept denying ) until the last person said there was nothing they could do, and that I was responsible for the charges. Now, the company keeps charging me outrageous interest and fees, and god knows what else, and my original balance of {$630.00} is now at {$2500.00}. I sent a letter to the Billing Department about 3 weeks ago ( week of XX/XX/XXXX, I believe ) and have not heard from them.
Complaint sub-issue: Debt is not yours

I have communicated with this organization numerous times demanding to see the proof this contract was opened by myself, to which Citibank has responded with a list of purchases, payments, and balance owed, as well as the opening of the said account, all of which I did not perform, written, online, or otherwise. 

I filed a complaint here with CFPB on XX/XX/2018 in this regard, and Citibank replied falsely stating they sent me proof of the account. As I never opened an account with Citibank, nor agreed to any contract with such organization, I owe them nothing except a complaint here on this forum, as well as a possible suit for fraud. 

I demand the debt said to be owed to Citibank by myself be removed as it is not mine, and for an investigation to be started in regards to my sensitive information being stolen by Citibank as it was clearly not authorized by me, and any derogatory information relayed to credit reporting agencies to be removed/redacted as I never opened this contract or account with Citibank.
Complaint sub-issue: Reporting company used your report improperly

Hello, I paid my collections for razor capital off. The issue is Razor capital and XXXX broke the law. Legally if the account is sold to the original corrector, I am not liable for that debt. I only paid it because they were threatening to take me to court, threatening to come after me, threatening to get police involved. They broke the The Fair Debt Collection Practices Act! These are all violations of U.S Law! 

Per 15 Us 1692c : a debt collector may not communicate with a consumer in connection with the collection of any debt. I was sent paperwork by mail, they blew up my phone everyday. I felt harassed, scared, stressed out!! They also called me before XXXX and after XXXX which is against the law!!!! 

The information on my XXXX  report and XXXX  report are being reported inaccurately and does not have the same information. If your fail to communicate to the consumer reporting Agencies that this company broke the law, that would be a violation Pursuant 15usc 1692e8- False or misleading Representation! 

Per US LAW a consumers debt is not allowed to be communicated unless I gave consent. I never gave consent for Razor capital to contact me! Look at 15 U.S 1692b. 
I was also represented by an attorney and they still illegally was harassing me!
Complaint sub-issue: Trouble with how payments are being handled

I recently noticed that Earnest had been applying debits and credit to my account labeled " adjustments ''. The credited amounts always equalled the debited amounts, they cancelled each other out, so it didn't raise any red flags to me. But then I noticed a debited " adjustment '' to my loan account in the amount of {$87.00} -- and there was no credit to offset it, so I called Earnest in XX/XX/XXXX to flag this. I auto-pay my student loan monthly and have a fixed interest rate so there's no reason for my account to be charged a fee of any kind. 

The explanation I received from the Earnest customer service representative was that the " adjustment '' charges were the result of me overpaying interest, and that in XX/XX/XXXX my account started being refunded/ credited back for those overpayments. The representative also said that I should have received a check in the mail in XX/XX/XXXX for {$3.00} which represented another refund " adjustment ''. Once I pointed out that I saw no evidence of my account being refunded at all in XXXX or XXXX, nor had I received any checks in the mail from Earnest, they backtracked on their explanation ( email excerpts below ). 

Unfortunately Earnest 's explanation was very vague given loan repayment is a process that should be carefully documented. Especially given Earnest is servicing a student loan that is valued at close to $ XXXX. It doesnt make sense to me that when I have a fixed interest rate Earnest cant properly calculate the interest payment each month. 

-- - ( email excerpts ) Earnest on XX/XX/XXXX at XXXX PT : " Hi XXXX, I have actually just received a correction from our team processing the refund. It seems that they were actually able to apply it to your principal balance. 
I apologize for all of the confusion, I was not aware that they could do this. Please let us know if you have any further questions. '' Me on XX/XX/XXXX at XXXX PT : " When was that done? I dont see it as an adjustment anywhere in my loan history. 
Thanks, '' Earnest on XX/XX/XXXX at XXXX PT : " Hi XXXX, The original refund was initiated back on XX/XX/XXXX. You will then see the adjustments to make the refund the correct amount in the adjustments that were done between XXXX and XXXX. The total refund amount that was applied to your principal balance was the {$3.00}. 
I hope this helps. Please let us know if you have any further questions. "
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX XXXX {$19000.00}
Complaint sub-issue: Attempted to collect wrong amount

I am having issues with plus four inc. I was never sent a letter about my collections until it came up on my credit report several years ago and I reached out to them, medicaid, and the XXXX XXXX to let them know I was not responsible for this payment but instead of resolving the issue they continue to increase the amount and bill me for interest on my credit report. It is harassing and it is hurtful to my advances to buy a home or a car in the future.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent a letter to the XXXX XXXX and they have failed to comply with my letter and has not replied. My letter stated the following : I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up.

2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

IC Systems is reporting 4 collections on my credit and they will not tell me what they are for. All my collection are paid or taken care of through the hospital/insurance. I do not know what the debts they are reporting are for and when I call them they tell me to call XXXX. When I call XXXX they tell me they have no debts matching those amounts and they are unaware of them. 
I do n't think it is fair that they can report whatever they want and not prove that the debt is valid. I am contacting my attorney and I am also filing complaints against them with the attorney general.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The accounts I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these accounts as soon as possible : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

I have been unable to log in to myequifax.com since last year. It was locked without explanation. When I called the first time, they said it was a glitch in the system and should work within days. It never did. I called again this past week XX/XX/XXXX and was told the case will be escalated and was given the case number XXXX XXXX by XXXX. He told me all should be well by this Tuesday XX/XX/XXXX. I called today again and was told that they are still working on it, with no further information except that I would be emailed after they fix it. This has me so stressed out. How can this company be allowed our personal information and then be so incompetent?
Complaint sub-issue: Received bad information about your loan

When I enrolled in the Public Service Loan Forgiveness ( PSLF ) program, all of my loans were not consolidated ( some were not able to be counted towards PSLF ). I was not told that consolidating would re-start my clock in any discussions with student loan customer service agents, so I held off on doing so. I consolidated once I realized, but it cost me roughly two years worth of payments towards PSLF. I tried to rectify this by contacting the Ombudsmen Group. They did not move forward with the case. 

AdditionallyXXXX XXXX XXXX XXXX is stating I have 4 months of payments/non-payments that do not qualify for PSLF. I had to restructure my repayment plan during this time, as they switched from Direct Loans to XXXX XXXX XXXX, and I can not afford the Standard Plan. I questioned why these are not on my qualifying payment " clock, '' and they are currently under review.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/18 submitted request to have item reviewed on my credit report. On XX/XX/18 Equifax notifies me that my request had been received. On XX/XX/18 Equifax notifies me there research was completed. All notifications via email. After various attempts to sign on the the online follow up form the online tool was unable to show me the results from Equifax regarding my request. On XX/XX/18 I contacted Equifax via the phone XXXX XXXX XXXX spoke to a representative that provided me no information regarding my request and showed no urgency to assist me. All previous contact events were made via email prior to my phone call.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Equifax, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Equifax has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I had a collections account show up on my credit report dated XX/XX/2019. The collection agency is Jefferson capital systems LLC and states the debt is from XXXX XXXX. I have never been a XXXX XXXX  customer as I have had XXXX and prior to that was XXXX. I have contacted the collection agency to validate the debt on multiple attempts with no validation to date. After speaking with somebody, they stated it would be removed from my credit report. It is still showing after multiple months.
Complaint sub-issue: Problem with customer service

I signed up and was approved for a Citi Bank XXXX XXXX card. I setup my online account with my temporary card, and once I received my full card I set it up in the app as well. I went online and setup my payment account and so on. Once I got my full card I attempted to setup XXXX XXXX and that was a living nightmare, I couldn't receive an SMS OTP code, or a Phone call from Citi to finish setting up my account ( Funny story, attempting to use XXXX XXXX years ago on my Citi Double Cash card caused me to stop using it since it was nearly impossible to do so ). In the past week since validating my card, when I've logged into the app I've been locked out 3 times now, each time requiring me to call the " fraud '' department which has no clue what is going on. The first 2 times I got it unlocked, and the third time they couldn't help me so I got transferred over to tech support, and XXXX just deleted my account saying it was setup improperly. Now I'm accountless and Citi 's absolutely terrible online banking system isn't compatible with password managers. I'm not going to type in a 32-character randomized alpha numeric password by hand twice especially because of poor technical choices by Citi. So now I can't even pay my bill since you deleted my account instead of just unlocking it.

Oh and for the cherry on top you DON'T EVEN SEND ME A NOTIFICATION WHEN YOU LOCK MY ACCOUNT! I can still use my card, but I can't check my balance or pay it. I quite literally want to give you my money and you REFUSE to take it.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/XXXX my friend sent me money to pay my rent {$200.00}. Which gave me a balance of {$260.00}. I paid the rent and it was attempted to take out XX/XX/XXXX and it was declined due to the money being gone. I checked the card and there were charges from XXXX {$97.00} & {$150.00}. The total was {$250.00}. I reached out to Cash app immediately and the moment I put the claim in they declined the claim. I reached out via chat and they told me they would help me redo the claim because they still see more charges being declined because the card is locked and there are no funds. The claim the was still denied even though they seen someone still trying to charge the card. I then requested for a supervisor to contact me. They contacted me via email and said they are not changing the outcome. I asked for the documentation they had as proof. The receipts they sent me say the person used XXXX pay purchase. I have an XXXX and this is yet another reason it wasnt me. I also made them aware I had misplaced my card which is why my card is always locked. Someone returned it at my job and I assumed I was good. But I also only could think of anything funny that happened to me was I used a card tarot and had to provide my DoB and name. Idk if that had anything to do with it. But again my card was locked at all times until its time for me to pay a bill. I now am in the hole because I had yo borrow money from another friend to pay my rent. I would like to speak a the person above XXXX the support manger.
Complaint sub-issue: Investigation took more than 30 days

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..