Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

On XX/XX/2016, I sent a dispute letter to Equifax disputing an unknown medical account. Equifax received my dispute letter on XX/XX/2016. On XX/XX/2016, I received an email that the dispute process has started. I received a new credit report dated XX/XX/2016 that stated " WE have researched the collection account # xxx. The results are we verified that this item belongs to you '', with instructions on how to contact the collection agency if I had additional questions. Per the instructions on my credit report, I sent a letter to the collection agency on XX/XX/2016 to the address Equifax provided on my credit report requesting validation of this debt. On XX/XX/2016, the letter I sent to the collection agency was returned to me by the USPS marked " Return to sender/Unable to forward ''. Per the USPA website tracking information for this letter, it said, " The addressee moved with no forwarding address ''. On XX/XX/2016, I sent another dispute letter to Equifax regarding this medical debt. I also included a copy of the XX/XX/2016 letter I sent to the collection agency as well as the proof of attempted delivery from the USPS website, that clearly stated that the letter was being returned to sender due to no forwarding address. I received an updated credit report dated XX/XX/2016, again their response was that they verified the account belongs to me, with the same instructions as before as to how to contact the collection agency with further questions. The collection agency address that Equifax is reporting on the XX/XX/2016 report, is the SAME address as the previous reports provided by Equifax. I also disputed this medical collection with XXXX XXXX and XXXX, and they bothe deleted the collection from my credit reports. 

On XX/XX/XXXX, I sent a letter to Equifax to inform them I filed a complaint with your agency as well as a copy of the complaint. On XX/XX/XXXX, I received a response from Equifax stating " The disputed account, cfpb is currently not reporting on the Equifax file ''. Obviously, my letter was not throughly investigated, since I am disputing an account with XXXX XXXX XXXX and " cfpb '' refers to your agency. I do not recall the date, but I called Equifax to speak with a supervisor in regards to their XX/XX/2016 letter and explain the " cfpb '' is not a debt I am disputing. She informed me that the debt I am disputing has been verified and instructed me to contact the collection agency. So, needless to say, I did not get anywhere with Equifax.
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Debt collectors denied any following information regarding the collection because I would not tolerate him being disrespectful and hung up the phone and threatened not to respond on the debts that were wrongfully placed on my credit. I have asked several times for the debt to be verified but it has not. This needs to be removed from my credit the company has declined communication with me regarding the issue. Therefore leaving me with a unspoken threat of this being left on my credit due to their non response.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV ). I recently went to purchase a vehicle and the dealer XXXX XXXX ( XXXX, FL ) ran my credit and informed me that the above creditor stated that I had an account with them and reported to the Credit Bureaus that it was in collection. Because of this, my dad had to co-sign my loan and pay a higher interest rate because this reported collection impacted my credit score to the point that I could not obtain credit in my name. I contacted this company on two occasions and found that neither parties are associated with the above company ( XXXX XXXX XXXX ) and XXXX reviews shows it is a scam company. I contacted Equifax and they researched the information and stated that they would not remove it. I have never had credit with the above company and it is apparent that Equifax is also not assisting me. My complain is that the creditor ( XXXX XXXX XXXX ) and Equifax are reporting mis-information and are failing to act on my behalf which has cost me additional interest on my loan and impairs my ability to get credit lended to me in the future.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX my card was declined for {$7300.00}. I didn't know at the time that the limit per day I could make was {$5000.00}. I called customer service and the fraud team to confirm & verify it was me and that I was purchasing a car from XXXX XXXX XXXX. That same day I tried lesser amounts for {$5000.00} & {$4000.00}. Both transactions got declined so I called customer service again and was told to to wait 24 hours to try these transactions again. I waited until 2 days later on XX/XX/XXXX to try again. I still got declined for {$5000.00} or {$4000.00} at XXXX XXXX XXXX. I talked with customer service and the fraud team again and said that the card should be working fine. I tried the same thing on XX/XX/XXXX and kept being declined again at XXXX XXXX XXXX. I was extremely frustrated bc this money was deposited into my account from my car insurance XXXX for my totaled car. I'm a single mom and need to buy a car for my independence to drive to work. I've been wasting my child support money that I've never touched before. I was saving it solely to give to my son when he's XXXX. But I've been depleting that money bc I have no choice. But I'm still car less & having to rely on a friend to take me to work or pay for XXXX. On XX/XX/XXXX is when I got paid out by my car insurance XXXX in the amount of {$6400.00} to purchase a car. The only reason I opened this Credit Karma account was because XXXX stated I'd get my tax refund quicker if I did. And on XX/XX/XXXX my refund was deposited into this account information the amount of {$3800.00}. I never had problems until the larger amount was deposited from my car insurance company.
Complaint sub-issue: Debt was paid

In 2014 I transferred service within XXXX XXXX XXXX communications from a traditional landline/internet package to a XXXX package. I was advised by XXXX XXXX XXXX at the time that my new bill for my new package would be prorated for the number of days left in my billing cycle that I had that account and that the remaining prorated balance from my previous package would be included. I have been informed by a collections agency, ( Enhanced recovery ) that I have a balance with them for an unpaid bill from XXXX XXXX XXXX for {$61.00} for said service. When I called XXXX XXXX XXXX about this, they stated it was a final bill for a closed account. I explained that the account was not closed by me and that the service was transferred. The agent indicated that they could see I was a customer in good standing and have been since before 2014. They indicated that the balance was not transferred before the account number was changed over to the new account number for the XXXX package and that this caused the issue. They told me to call Enhanced Recovery to request the debt be removed from my credit report. They also told me that I could pay XXXX XXXX XXXX directly for the amount owed. I asked if they could provide proof that I owed them this money and they could not because it was in collections. Once I called Enhanced recovery they indicated that I could pay them for the debt but doing so would not remove the issue from my credit report. They advised that only XXXX XXXX XXXX could do that. It is not my fault that XXXX XXXX XXXX did not bill me correctly and by their own records they show that I have paid all bills fully and am in good standing. XXXX XXXX XXXX has not yet provided proof that I owe them this amount nor have the addressed that it was their billing process error that resulted in the collections action for a bill I should have and did n't ever receive.
Complaint sub-issue: Was not notified of investigation status or results

I have filed disputes for the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Right to dispute notice not received

I received an email informing me that a late payment had been listed on my XXXX report the morning of XX/XX/2017. The compsny was Afni, and before yesterday morning I had never heard of them. Later that same night, I received notification that the same company had also reported to XXXX. I was never contacted by this company to receive notice of right to dispute.
Complaint sub-issue: Transaction was not authorized

I filed a dispute for 30+ International transactions that occurred in under 15 minutes. My bank stated there were no irregularities yet there were multiple of the same transactions to a company in XXXX and a few other transactions to another company in XXXX. I have filed a police report and will file a lawsuit against the bank if my money and funds are not returned. More than {$2500.00} was taken out of my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Complaint sub-issue: Their investigation did not fix an error on your report

Several accounts showing on credit file Have been disputed with equifax but yet not removed. Equifax and creditors have failed to be able to prove proof of ownership of list of creditors. None of the on file information matches my information but yet fail to be removed. The following accounts need to be removed from file XXXX XXXX acct # XXXX XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXXXXXX bank act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX  act # XXXX All of above accounts are not mine. These accounts have failed to provide proof of ownership. These must be removed from my file
Complaint sub-issue: Account status incorrect

I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus Equifax, XXXX, XXXX I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.
Complaint sub-issue: Account information incorrect

XXXX, Equifax & XXXX are reporting my balance for a XXXX XXXX Visa incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX visa reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE
Complaint sub-issue: Reporting company used your report improperly

XXXX allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XX/XX/XXXX without my permission.
Complaint sub-issue: Reporting company used your report improperly

I am, XXXX XXXX, submitting this complaint against Equifax Information Services, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXXXXXX Delete and purge all Hard inquiries. 

You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Complaint sub-issue: Was not notified of investigation status or results

I was told that you all can help me. 

On XX/XX/21 I sent a letter about some inaccurate and Unknown items i seen on my credit report its been all most 30 days later and i haven't heard anything. I feel everyone invloved is taking advantage of me and nobody cares about my disputes. Section 611 ( a ). plainly says that a failure to investigate within 30 days gives a reason to immediately remove the items from my credit report it has been almost 30 days but nobody has updated me so they should be deleted acording to the law. I demand these accounts be deleted immediately or I will have no choice but file to go into litigation due to all of the stress everyone caused me. Completely messed up my credit and i have to pay way more than i should be paying in interest. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Debt is not yours

I purchesed technical support membership for {$210.00} from Best Buy on XXXX of XX/XX/2022 and canceled it within 2 days on XXXX XXXX. After cancelation they supposed to do complete refund back to the same credit card that was used for payment. 
I received phone calles from Citi Bank stating that I owe them money. I explained the situation to the representative and requested Bank to dispute this transaction for cancelation of membership on time within the BestBuy store policy. The bank accepted my statement and started the dispute process with the Best Buy store. After 3 weeks I received a letter from Citibank stating that the Best Buy store sent to me check on XXXX of XX/XX/2022 and now Citi Bank adding extra late fees with interest charges untill today. Unfortunately the dispute was closed based on Best Buy statement. 
I called again to Citibank and Best Buy store and explained them that I never received any check from the Best Buy store as they stated but no one wants to listen me. By calling again to the BestBuy store customer service and explaining situation, they created cases based on my complaints and provided me with reference numbers below by confirming that the check that was sent to me was never cashed. I kindly asked Best Buy representative to cancel the check and arrange full refund back to credit card. But representative said that Best Buy store again wants to send me a check to my home address and refuses to make return to the BestBuy Credit card. 
It is ridiculous. I spend hours and hours on the phone to finish it since XXXX of XXXX. I went to Best Buy store to speak at least with a life person in the store to ask if they their system if they can assist to finish it. But store manager said that the only office can handle it and that I only need to call again and again there to continue request for the refund. 
I really tired from this. 
Please assist.
Complaint sub-issue: Information belongs to someone else

I reported to XXXX XXXX by postal mail, letter dated XX/XX/2022, by XXXX Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX , Equifax , XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, XXXX Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with XXXX XXXX nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but XXXX XXXX is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.
Complaint sub-issue: Account information incorrect

i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have filed a complaint with CFPB, earlier ( Nos. XXXX & XXXX ) Upon the receipt of a letter, dated XX/XX/2022 from Discover Card Executive Office of Customer Advocacy requesting payments for unauthorized/unrecognized charges, I would like to upload additional documentation along with a copy of my letter to XXXX XXXX, XXXX Office of Customer Advocacy, Discover Card Corporation . As I have included details concerning several points worth of attention. Thanks. 

Regards, XXXX XXXX
Complaint sub-issue: Account information incorrect

The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan
Complaint sub-issue: Banking errors

I didnt want the dispute for {$500.00} to be opened up with Citibank in the first place and I was giving a temporary credit of {$500.00} and I dont have the money or used due to multiple fraudulent charges on my Citibank account ending XXXX and I called in the middle of XXXX not XX/XX/XXXX to close the dispute out and I was told by the supervisor of Citibank it will go back to the merchant which is XXXX XXXX XXXX ... this dispute was open in a error on Citibank end and I never wanted this dispute to begin in the first place and Citibank rebilled me for this charge in the amount of {$500.00} on to my checking account ending in XXXX and holding me liable for it But didnt return the money back to the merchant since they have try to challenge the dispute and I didnt open this dispute with XXXX XXXX XXXX at all
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for the Citibank New Customer Bonus. I opened the account on XX/XX/XXXX. My accounts were fully funded to meet the {$1000.00} bonus by XX/XX/XXXX ( within the 20 day window requirement ). 

The link that describes the promotion is here : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I have not withdrawn any money from any of my accounts ( have both the checking and savings ). There is a balance over $ XXXX in them currently, which is the threshold to receive the {$1000.00}. 
I have contacted them twice, given the Reference number of XXXX. The first representative said that my bonus was " attached '' but not " registered ''. I did register it and have a partial copy of my chat transcript on XX/XX/XXXX to make sure that there was nothing else I should do but keep the money in for at least 60 days and then within 30 days I will receive my bonus. They base this on the balance on the 21st day. So, in total, after 111 days, I should receive my bonus. 

The customer service agent in early XXXX told me that it was a glitch on their end because I signed up for it online. The second customer service agent on XX/XX/XXXX said that an investigative " team '' is still checking on it. Both XXXX XXXX told me that I would receive a letter in the mail explaining everything and I have not yet received that letter -- or my bonus that is due. 
This customer bonus is still active and is running through XX/XX/XXXX. I am afraid they will drag their feet and then tell me that the promotion has expired. There seems to be no one else I can contact to get this solved as I keep getting passed to a different customer service agent that can not speak XXXX very well. Please help. I have referred others to this promotion and now feel I have set them up for the same frustration.