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

I have disputed an account for XXXX XXXX XXXX several times now with Equifax and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also not to mention, I feel that they are also attempting to reage this account by continuing to change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCRA Section 605 ( c ).
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The same goes for the 2 accounts for XXXX, one for {$3000.00} and {$500.00}, I have submitted numerous times the court order from the XXXX XXXX XXXX XXXX stating that I only owe {$1100.00} plus {$74.00} but this account remains on my credit report, which violates FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. XXXX XXXX  ). I have also noticed that this account has been removed several times and reinserted without my knowledge which again violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I currently have an open dispute with Equifax and fear that I will still have no resolution to this issue.
Complaint sub-issue: Contacted employer after asked not to

XXXX   XXXX   XXXX   XXXX  has been calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  XXXX   XXXX   XXXX   XXXX , but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.
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, in amount of {$7700.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

there are Fruadulent inquireies on my account when i call i get transfered around when i tell them i have an FTC report and Police report they do nothing.
Complaint sub-issue: Investigation took more than 30 days

I've sent certified letters to XXXX  XXXX XXXX , XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to Equifax and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX  XXXX XXXX sent a collection letter stating that they have received an EOSCAR dispute online from me which is not true. They are basically admitting to using EOSCAR. Any automated response or EOSCAR verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2022 I mailed XXXX, XXXX, and Equifax about inaccurate information they are report to my consumer report. They have failed to provide with validation of these alleged debt. I need proof that an investigation was done. I asked for them to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX Personal Credit Card Account : CLOSED - Account Number : XXXXXXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report.
Complaint sub-issue: Problem getting my free annual report

I filed an identity theft report, and when I tried to get my credit reports, they said that they were unable to process it at that time. The security questions they asked did not relate to me at all that I am aware of.
Complaint sub-issue: Debt was paid

I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX. 
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

I made a payment to off my account but when I inquired about why it showed XXXX available for usage the agent said my account is on hold and she doesn't know how long it will be on hold.
Complaint sub-issue: Personal information

I have a SPLIT FILE on my Equifax Credit Report. 

Equifax is REQUIRED to merge my Equifax Credit Report into XXXX Credit Report per FCRA
Complaint sub-issue: Overcharged for something you did purchase with the card

Summary : CitibankSummary : Citibank failed to properly address my dispute. My dispute related to an overcharge on the card for goods and services I had received. I wrote a detailed letter highlighting that my issue related to overpayment for goods and services I had received. Citibank failed to properly address my concerns and didnt address the issue of overcharge/overpayment, Citibank responded that the services were rendered. I have also asked for Citibank to provide more information on which they made their judgement and the Merchants response to my detailed letter. After 3 attempted calls, Citi have not provided this information. 

Details : On XX/XX/2021 a charge was posted to my account of {$2800.00}. I opened a dispute on XX/XX/2021. 
On XX/XX/2021 I provided detailed evidence explaining that my dispute related to an overcharge/overpayment that needed to be corrected. 
On XX/XX/2021 Citibank requested further information as documents were lost or damaged. 
On XX/XX/2021 I provided this further information Citibank declined our dispute on XX/XX/2021 Complaint 1 : Citibank failed to resolve the case, appropriately investigate our issue or provide a logical explanation as to why they had declined our dispute. 
As per our detailed letter : This item is an overcharge and needs to be corrected I am requesting a refund for an overpayment of amounts paid over to XXXX XXXX XXXX XXXX for the following reasons Citibanks response was as follows : we are unable to assist you because you received the services for which you contracted This is a violation of consumer rights because it not address the main issue of our dispute being an overcharge/overpayment. It was also illogical as it had not addressed our primary reason I have made over 3 attempts to obtain the documents that merchant has sent to Citi but so far Citi has not provided these documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX CARD XXXX Balance : {$0.00} XXXX  XXXX : {$0.00}
Complaint sub-issue: Account opened as a result of fraud

PNC and XXXX  XXXX keep calling me about owed debts, dont belong to me.
Complaint sub-issue: Information belongs to someone else

I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and Equifax. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
Complaint sub-issue: Investigation took more than 30 days

This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..
Complaint sub-issue: Billing problem

On XX/XX/XXXX, the insurance agent contacted PNC to obtain a payoff since the car was totaled. On XX/XX/XXXX the check was issued. I have contacted the PNC bank on XX/XX/XXXX and XX/XX/XXXX to see why the funds have not posed to the account. On the XX/XX/XXXX the representative stated it will be applied with with in 10 business days. I called on XX/XX/XXXX first time the agent tried to collect even though I had previously told PNC agent I am filling bankruptcy. The supervisor called back and could not provide any on formation on why the insurance check was not applied to the loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the XXXX XXXX XXXX and FCRA and they keep claiming for VERIFED and ACCURATE. 
DAte opened, last reported, date last active all wrong and inconsistnet
Complaint sub-issue: Account information incorrect

Ive sent all 3 beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX account.
Complaint sub-issue: Reporting company used your report improperly

This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX XXXX  was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Credit bureaus XXXX and Equifax stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.
Complaint sub-issue: Changes in terms mid-deal or after closing

I went to XXXX XXXX XXXX with an ad to purchase a XXXX XXXX XXXX for {$16000.00}. I was told this was the purchase price and signed documents with the correct purchase price. When I was at the dealership, I informed them that I did not want my credit pulled repeatedly and that I was already financed with XXXX  XXXX. They stated that they could not give me the sale with XXXX XXXX and that they would run my credit with one other company. They ran my credit with 9 other companies. When I left the dealership they gave me a manila envelope which they stated contained the financial documents. A few days later, I received an email from the dealership stating that I needed to pay {$500.00} more. The dealership was unable to explain the purpose for the additional {$500.00}. When I received a copy of my credit report on XX/XX/XXXX, I noticed that PNC listed the loan for {$33000.00}. I contacted PNC to find out why and they informed me that the documents from the dealership provided these amounts. I went to the dealership on XX/XX/XXXX but was informed that the general manager was not there. On XX/XX/XXXX after two weeks of trying to reach the dealership, I sent an email. I went back to the dealership on XX/XX/XXXX to inquire about the mix up. The general manager, " XXXX '' printed a copy of the documents and I noticed that the documents did not contain my signature or initials and that someone had forged a signature that did not look like my signature nor appear to be my name spelled correctly. I informed the XXXX that I did not sign those documents and that there was fraud. He offered to give me {$3000.00}. I explained that it would not resolve the issue of being overcharged by {$16000.00} and he informed me that there was nothing that he could do and that his employees would not forge someone's signature. I did not authorize anyone at the dealership to sign my name. I never saw the documents with the {$33000.00} amount until I obtain a copy of the altered documents on XX/XX/XXXX. I immediately contacted the bank, police, and credit bureaus to inform them of the fraud.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Complaint sub-issue: Information belongs to someone else

Someone open an account at XXXX XXXX in XXXX GA in XXXX of XXXX. I did not know of this until they sent me a past due letter in the mail. When I called them they said they sent me a check in the mail and I cases it in Virginia. I never received any check for $ XXXX. They also started I would have to come in and sign doc, then I talked to XXXX and he said once approved they send you a check. I keep informing them I have nothing to do with this account. Also now they are trying to come after me for about {$300.00}. I have nothing to do with this account and want them to remove it from my credit.
Complaint sub-issue: Account information incorrect

Credit report is showing a debt of {$1800.00} to Progressive Mgmt from XXXX XXXX. I tried to resolve this with them but never got it cleared and its back on my report. This is not my charge please help with an investigation or let me know how i Can get this off my debt.
Complaint sub-issue: Account status incorrect

XXXX, XXXX, and equalifax I have reached out to the credit bureaus about several accounts that are showing up closed but are still reporting to the bureaus. Also total XXXX XXXX  XXXX XXXX  account is paid out with a XXXX balance and still showing I owe a balance of XXXX dollars so I know that the credit bureaus did not do anything with my disputes along with other disputes. 
One of my collections is still showing one agency has my account but the information is not accurate. The account is XXXX XXXX XXXX XXXX  does not own this collection, but still showing that they do. 
XXXX XXXX  I could not pay the rent so I moved due to XXXX XXXX this was back in XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Didn't receive advertised or promotional terms

In late XX/XX/2020, I received emails from Citi with the offer of 5 % cash back on up to {$500.00} of online purchases from the day of enrollment through XX/XX/XXXX XXXX XXXX Monday XXXX. I clicked through the link to enroll three of my Citi credit cards in this offer. 

On each of these cards, I made the following online purchases : Card ending in XXXX .. purchases from XXXX XXXX {$300.00} Card ending in XXXX .. purchases from XXXX totaling {$300.00} Card ending in XXXX .. purchases from XXXX totaling {$500.00} These purchases are all labeled as XXXX in my XXXX, making it clear that they are indeed online purchases that should qualify for the offer. All purchases were within the correct time window. However, I received the following cash back bonuses XXXX XXXX : {$2.00} ; XXXX : {$3.00} ; XXXX : {$5.00} XXXX instead of the correct amounts, which would have been {$15.00}, {$15.00}, and {$25.00}, respectively. In early XXXX, after the incorrect statement bonus amounts posted, I spoke with Citi chat. The representative I spoke with confirmed that my purchases within the correct time and that my cards were enrolled in the offer as described. They stated that they would escalate my issue to customer service, who could resolve my issue. However, I received a letter within a week denying my request. 

Following receipt of this first denial letter, I called Citi customer service in late XXXX to clarify the reason my request was denied. The kind representative I spoke with agreed with my confusion and stated that the credit bonus amount should have been as I have described above. She stated that she would escalate the issue and submit a dispute on my behalf for the additional bonuses to be credited. However, at this point, I have now received a second letter from Citi denying my request for a second time. This is false advertising, as Citi is not fulfilling their offer as promised.
Complaint sub-issue: Information is not mine

I sent bureaus information about this account not being mine. They have not deleted from my credit file.