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

I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX XXXX, Title XXXX, Chapter XXXX, Section XXXX. ( under the FCRA XXXX A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Equifax has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Equifax can not produce this then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. Sec. XXXX XXXX a ) ( XXXX XXXX Texas XXXX bond information as required by Texas XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX marked XXXX XXXX verified during last dispute. 
Requested a copy of the contract to only discover as I already knew thats not my signature as Ive reported to XXXX multiple times Ive never signed a loan document with your company. Ive attached my New Cdl and my Social Security card as proof thats not my signature. Requesting immediate deletion of account do to not legally owning this debt Ive provided 3 attachments 1. XXXX Truth in lending 2. Cdl 3. Social Security Ive block out my vital information to protect me from scams and further identity theft
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax Credit score decreased today XX/XX/20. No negative information reported. No negative information added. Only change was credit card payment made, which decreased credit card overall credit usage balance. Called representative today at around XXXX Eastern was told system was down and to call back. Called again at XXXX Eastern spoke with a representative who could not or would not provide any assistance with my specific issue. The Equifax representative stated he was only able to advise me of what on my credit report could have a negative impact not why my credit score decreased. He is unable to see recent changes or the scores, but could refer me to a credit counselor. I advised I am not seeking credit counseling, but need to know why my score decreased 22 points for no reason. It was implied that there is no way an error could be made with the credit score reported, and no way to get it corrected. I asked to speak with a supervisor and was advised they will not be able to assist me either. I was placed on hold, a supervisor never came to the line. I feel there is no reason other than a discriminatory act my race or gender for my credit score to decrease. I feel Equifax 's practices allows for this act to continue, and allows me as a consumer with no other option, but to seek assistance elsewhere.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX claimed that I owed them {$960.00}. However, I never used XXXX XXXX XXXX for my vehicle. I believe this to be due to the identity theft, which took advantage of my information. 

The XXXX XXXX XXXX ( phone # : XXXX ), is representing XXXX to collect such amount.
Complaint sub-issue: Information belongs to someone else

There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX, and XXXX has violated my rights! 

15 U. S. C. 1681 section 602 A states that I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : Also states a consumer reporting agancy can not furnish anaccount without my written instructions.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting erroneous information on my credit report from XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed this item on XX/XX/2022 but the bureaus did not remove it or prove validation. 

Sec. 602 I have a right to privacy. 

XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 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: Old information reappears or never goes away

The following information should not be appearing on my Equifax report and they keep putting it back when all this should have been removed. It has been an ongoing problem with them. XXXX and XXXX cleared it from my records but Equifax keeps being difficult. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$1600.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Problem accessing account

This complaint is against PNC Bank. My husband and I were BBVA customers, which was previously Compass Bank. As I am sure you are now VERY aware, PNC bought BBVA and on or about the weekend of XXXX XXXX, PNC migrated BBVA accounts XXXX changing account numbers, etc. We had four accounts with BBVA, two business and two personal. These accounts were all linked and accessible via online banking prior to the migration. After the migration, only three accounts were linked, the two business accounts and the personal money market account. The personal checking account was NOT linked and all the bill pays previously set up with BBVA were CANCELLED. This is completely unacceptable. To make the problem worse, PNC appears to have been completely unprepared to deal with the onslaught of customer service calls as a result of problems caused by their so-called migration. Each customer service representative I managed to talk to about the issue the day after the botched migration ( after being on hold for ridiculously long periods of time ) had a different approach to resolving the issue, none of which made sense. They were clearly not very well trained. When we went to a local branch the day after the botched migration in an attempt to fix the problems, the person there filled out a form to fix the linking or so we thought. Here we are over a month later and the personal account is still not linked. Each week, I call customer service and I get yet another story as to why the linking is not done. 

It is COMPLETELY unacceptable for a bank to CANCEL scheduled bill pays, as PNC did. This created all sorts of problems. Further, the minimum they could have done is to notify us that there was a problem, which of course did not happen. 

Further, we went to the branch where we had a safe deposit box as we needed to move the contents closer to where we are now living. This was a former BBVA branch and the people there did not even have instructions as to how to cancel the box. I have no confidence that the automatic charge was not stopped. The manager actually had to go to her office and print out online instructions.

This bank was clearly unprepared and incompetent in the acquisition of BBVA and the transition of our account and many, many others.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, l mailed in dispute letters that had inaccurate information about my credit report. I am reaching out to you for help to get these items removed from my report as it is illegal to report inaccurate information. I will be seeking litigation due to the inaccurate information on my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went on my credit reports and saw a lot of inquiries that were unrecognized.
Complaint sub-issue: Debt was paid

Amerifinancial Solutions has a claim from an XXXX physician at XXXX dated on XXXX for the amount of XXXX I initially set up a payment plan when I got this notice but when I spoke with a representative from XXXX they reported there was XXXX balance for the XXXX visit and the XXXX phsician visit. I stopped paying the {$50.00} monthly. I have disputed this claim 3 times to get information, thinking it was fraudulent or it was with another medical facility. 

I spoke again with Amerifinancial Soultions and they reported the claim was with XXXX XXXX physician. The date of service was on XXXX. I reached out to my insurance which is XXXX XXXX and XXXX. I spoke with XXXX on XXXX from XXXX  at the following numberXXXX. XXXX reported that the XXXX doctor visit at XXXX was processed for XXXX and paid. My remaining balance was {$23.00}. 

I have reached out to the XXXX Physicians that was contracted with XXXX at this time multiple time and have not received a call back to get possible assistance with this matter. 

XXXX XXXX XXXX was the contracting XXXX physican agency with XXXX at this time. I did receive service from this XXXX physician. My insurance can provide the information that the claim was paid. I have contacted XXXX at this company XXXX to be transferred and XXXX XXXX by leaving multiple messages. 

I am reporting this to get this removed from my credit report because it is unfairly being reported as a negative report when the claim has been paid and my insurance can prove they paid it. XXXX  has the information to prove it. I give permission for someone to call to do a 3-way call with my insurance to validate this information from XXXX. 

I need assistance with someone to reach out to Amerifinancial solutions to solve this claim. As you know these credit agencies are in the business to claim a debit not to solve a problem. I have not been successful in getting information in the past. 

I have spoke with XXXX at XXXX regarding this matter at XXXX and she said she would be glad to help in anyway she could. 

Please reach out to me to get this problem solved. I need your assistance. I need this removed from my credit report as I am trying to borrow money for my son 's college needs. 

Thank-you for your time and assistance. Please feel free to call me anytime at XXXX. You may even call my work at XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that there are inaccurate accounts in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
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: Billing problem

Due to some recent medical and financial difficulties my car payment became past due. On XX/XX/ I made a payment online in the amount of {XXXX}. The money was taken out of my checking account the next business day. Ally claimed sue to my past due status they cant apply the payment. Today in XX/XX/XXXX, they reported to the credit bureau I was XXXX  days past due. Except I did make the payment, they withdrew the fund but still have not updated my account. I have tried working with them in regards to this but I keep getting put on hold and passed to different representatives.
Complaint sub-issue: Debt is not yours

Found this collection item on my credit report. Signed over the vehicle to XXXX XXXX XXXX. Collection item is outside of California Staute of Limitations.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I applied for a refinance with XXXX XXXX, who ran a credit check on Credco, immediately after they ran my credit I recieved over XXXX calls in XXXX hours to my cell phone with companies trying to solicit mortgage refinance.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX AND IC SYSTEMS is reporting an account created in 2013 from ID THEFT which is in violation of California Statute of Limitations Fraud 3 yrs. Civ. Proc. 338 ( d ) Collection of Debt on Account 4 yrs. ( book and stated accounts ) Civ. Proc. 337.

I am requesting a block " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This is follow up complaint to XXXX FMS INVEST GROUP stated " Hello, Financial Investment Corp ( Financial Management Systems ) was closed as of XX/XX/2021, please refer back to the original creditor. Thank You, XXXX XXXX '' If FMS is closed they should not be reporting to my credit report after I told them to cease communication!
Complaint sub-issue: Investigation took more than 30 days

Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

I received numerous voicemails and am typing verbatim the message left. 

" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX   Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX.

The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Balance : {$6900.00}.
Complaint sub-issue: Information belongs to someone else

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX ),
Complaint sub-issue: Fees charged for closing account

I entered into an agreement with Citibank for a merchant account in XX/XX/XXXX. I tried to cancel the account in XX/XX/XXXX but Citibank said they would charge me {$500.00} to close the account because I had signed a document agreeing to keep the account open until XX/XX/XXXX. I disagree with their assertion that I agreed to a three-year contract as they do not have an original signature from me and I do not recall reviewing any such clause, but I accepted that decision. I was told by Citibank that I could cancel the account on or after XX/XX/XXXX and would not be charged a fee. I have paid a service charge every month since then to keep the account open. I have not used the account and I have made the payments. I called Citibank on XX/XX/XXXX and spoke with XXXX ID # XXXX and explained the history and said that I was told I could now cancel the account and wished to do so. I confirmed with her that there would not be any charge to do so. She confirmed that there would not be a fee. However, I was charged a {$500.00} cancellation fee by Citibank on XX/XX/XXXX. I agreed to Citibank 's terms and kept the account open for an additional year, even though I never used it, to avoid paying the cancellation fee. I waited until they said I could cancel it without a fee. I then cancelled it and confirmed with the Citibank employee, XXXX, that I would not be charged a fee and I was charged a fee anyway. I feel like this is further example that Citibank is fraudulently charging me fees and I feel that they should be stopped from doing so. I expect a refund and I am contacting my own bank to dispute the charge and take whatever actions I can against Citibank for fraudulently charging me. 

Refer to my original claim submitted to CFPB in XX/XX/XXXX - that will have further history and documents, as well as Citibank 's response. Case number is XXXX.
Complaint sub-issue: Information belongs to someone else

This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the Equifax credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX with providing a Police Report and an notarized Affidavit. The item still remains on my credit report.
Complaint sub-issue: Account status incorrect

Equifax wont allow me to file a dispute online or answer any phone calls. Inaccurate reporting on account affecting home purchase. Contacted company that has account on report stated they contacted Equifax but Equifax didn't remove said account. Problem is with Equifax and their failure to keep up with proper reporting.. Account info. 

XXXX XXXX finance XXXX {$2500.00} Account closed and should be removed, was in Chapter XXXX bankruptcy that XXXX XX/XX/XXXX. 

XXXX XXXX bank inquiry removed-bankruptcy chapter XXXX XX/XX/XXXX Bankruptcy that was-dismissed wish those to be removed. Reference number XXXX Date file XX/XX/XXXX Equifax does not respond to written disputes, nor can you file electronically. Equifax phone number dosconnects when you choose any options.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

US Bank issued Mastercard double charged me for one purchase on XX/XX/2020. They admit this was an error that they caused, but they still have not reimbursed me for the second charge.