Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I have reached out to XXXX, Equifax, and XXXX on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX  XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and XXXX, Equifax, and XXXX refuse to fix it. 

EQUIFAX : NAME : XXXX XXXX- Not my name XXXX : NAMES : XXXX XXXX. NOT MY NAME XXXXXXXX XXXX NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX  NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed
Complaint sub-issue: Account status incorrect

Flagship Credit is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. Flagship credit is in violation of FCRA. and needs to report correctly.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I submitted a payment amount for the total of {$140.00} to Best Buy Credit Card Master Card. This is the first day of the new billing cycle for this account. I submitted the minimum payment as outlined by the website when I logged in to my account. Over the course of several weeks I continued to check the website. It reflected the minimum payment was made and then on XX/XX/XXXX when I logged in it showed and new minimum payment due of {$130.00}. 

On XX/XX/XXXX at XXXX XXXX  I spoke with a representative and customer service supervisor regarding this. They explained to me that the payment made would count as an early payment because I made the payment before the bill was posted to my account even though the payment was on the first day of the new payment cycle and that the website had been updated to reflect the new balance due. 

I was then transferred to a representative in another department. You stated the only solution they have would be to have the payment reversed and then complete the payment again. The representative stated she would do as described and that the process can take up to 7 business days. As of the filing of this complaint the payment has not been reversed, nor has the issuing bank, Citi, for this credit card applied the payment made on XX/XX/XXXX in such a way that fulfills the minimum payment due on XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I have been going back and forth with XXXX, XXXX  and Equifax on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.
Complaint sub-issue: You never received your bill or did not know a payment was due

When I saw my billing statement, I was startled! My payment due was XXXX/XXXX/2017. The statement said my payment was paid on XXXX/XXXX/2017. On XXXX/XXXX/17 a late fee of {$39.00} was assessed.
The payment due date fluctuates by a few days with this credit card. I originally had my payments set up on auto bill pay. When this happened before I called and spoke with them to see why my payment had tripled. I was told that I needed to set my account up with auto pay through their auto billing. They mailed me the paperwork to fill out and I sent it back so that my payments would come out automatically. Once again I was charged a late fee and my payment went up.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Attempted to collect wrong amount

ProCollect Inc, located at XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX reported several collections items on my credit from XXXX XXXX, 2014 to XXXX XXXX, 2014 when payments were already made. The account is still there causing me loss of opportunities.
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 Account # XXXX Has violated my rights. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Complaint sub-issue: Account information incorrect

I currently have only 1 credit card ( secured ) with Citibank. I have been checking XXXX  XXXX  and other credit assisted apps and have also been on XXXX  and it shows I have another open credit card from Citi all it says is Citicards CBNA, Opened XX/XX/2020. With a {$38.00} Balance. Im certain this is affecting my credit, and at this time Im really trying to get my credit to a good enough score to help my daughter in her future. Please if you Could contact me and please get this card and {$38.00} off my report. 
Thank you. 
Respectfully, XXXX XXXX XXXX ( XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

We as victims of Identity Theft feel as if we are in a sinking hole with no way of ever coming out of it ... .I have gone back and forth with EQUIFAX over this fraudulent account ... they have lied over and over and I will supply the documents to prove it! The only remedy at this point is a law suit, they lied to me and they have lied to the CFPB in their fraudulent responses as I will prove with the attached documents. I have been fighting for my financial life here trying to put all the pieces back together. As you will see from the time I filed my Identity theft affidavit. I also have proof that I was a victim in the security breach at Equifax which exposed my personal information on the DARK WEB and across the world. I will supply my credit reports from all 3 bureaus dated XX/XX/2018 showing the fraudulent account XXXX   XXXX # XXXX, after I supplied all the proper documents in XX/XX/XXXX and the documents were received by all 3 bureaus XX/XX/2018 ... ..the ACCOUNT WAS FOUND TO BE FRAUD AND WAS REMOVED FROM XXXX AND XXXX as you can see on the reports dated XX/XX/2018, EQUIFAX responded to my previous complaint and stated that the account had been deleted from my file on XX/XX/2018 ... .see attached response to the CFPB ... .dated XX/XX/2018!! but as you can see in the report dated XX/XX/2018, EQUIFAX never removed or deleted the account and is still reporting it on my file today!! my scores and reports with XXXX and XXXX are around 700 but Equifax is killing me and my financial life. I have obtained a lawyer and I am prepared to sue for every dollar that I am allowed. I am sure that the CFPB have all records as I do ... .but you can clearly see that EQUIFAX is BREAKING the LAW here!
Complaint sub-issue: Information is not mine

I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( XXXX one in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas
Complaint sub-issue: Their investigation did not fix an error on your report

ive sent multiple letters to remove this 7 years and 6 month year old charge off account with a balance. on XXXX and XXXX XXXX  XXXX XXXX, Account Number : XXXX this account is a charge off with a balance of {$550.00}. A charge off means XXXX  XXXX XXXX  has written it off already and has been paid. It is inaccurate for there to be a past due balance if it is a charge off.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also this charge account was opened XXXX XXXX, XXXX, that was more than 7 years ago this means the charge off by law must be deleted. 
Also I respectfully Contacted XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over 5 consumer laws you are violating.. 

also there is unauthorized inquires on my reporting that i did not give permissible purpose for and most be deleted. 
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Complaint sub-issue: Problem with rewards from credit card

Citi Sears credit card ending XXXX sent me promotions to spend {$1000.00} for XXXX thank-you points plus the base points before the deadline. I did purchasing and met the requirement and saw the reward points in my account. However, when I called to redeem the points, I was told the card was blocked and no redemption was allowed ; they wanted me to wait for a letter to verify my information. That was in XX/XX/XXXX. A week later I called again because I did not receive the letter. They said I needed to wait for a letter. I asked them to combine my reward to another Citi card reward account so that I could redeem my points, they said no. I called them 4-5 times totally. Finally I saw the letter on XX/XX/XXXX in my mail box dated XX/XX/XXXX. I called them for verification. They said a new card would be sent to me with a different card number. Yesterday, I called for my points redemption. I was told the points were not seen and I heard the reward account was not there I wanted to talk to a supervisor but then got disconnected. I called again for two more times. The reward account or the points were not there accordingly. They just said it was because the credit card was replaced. This credit card got replaced months ago. At that time the reward points were there being seen. I am not sure if they did this to me for vengeance taking simply because I complained about Citi earlier. Also they used auto pay to get the XX/XX/XXXX in XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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. 

XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX - Account Number XXXX
Complaint sub-issue: Personal information incorrect

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Fl XXXX I want all other names on my calendar edit file removed I want any addresses other than the one listed here on my report I want them removed. I have tried to no avail to get my name fixed on my credit file I have submitted copies of my DL and SS and still they have not corrected my name. Equifax has had my name I. Several breaches and just recently admitted to not putting correct information on consumers credit report. I want my name corrected and address and for my name not to be in another breach with any credit bureau.This is in violation of my rights and fair credit reporting act. This is my final resort contacting your office to help me fix this matter
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I requested verification on some inaccurate items reporting to my credit report and have not been responded to. It's been over 45 days and it still haven't been a response. I honestly feel like I am being disregarded and ignored. Can you please get to the bottom of this?
Complaint sub-issue: Debt was result of identity theft

A data breach within XXXXXXXX XXXX took place in early 2020 resulting in fraudulent activity using my social security number. I was notified of the breach but discovered my information had been used when a XXXX account was sent to collections and my credit report in the amount of {$4900.00}. I immediately called XXXX to dispute this and was told it would be investigated and taken care of. I attempted to file a police report but every city or county I called sent me to the next one. I am attaching a link with the data breach info as well as a screenshot of the debt on my credit report. 

https : XXXXXXXX XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

IQ Data got my debt back in XX/XX/XXXX when the pandemic started. I set up a payment plan for {$200.00} a month we were to continue that then about XXXX they stoped taking it. The called me a couple months later to collect the remaining valence and I told XXXX XXXX the guy handling my debt he cursed and yelled at me when I told him I could not do the full but could continue the payment plan he cursed and yelled at me more and hung up. I couldnt contact them because I didnt get a letter with their info and they call me from a face number. Now today XX/XX/XXXX he got mad and yelled and cursed that I had to go get a loan to pay off the remaining balance I told him no and he continue to get mad and I got mad and started yelling and cursed back at him because he was trying to use scare tactics and strong hand me into doing something that would put me in more debt to pay this debt. I got to a supervisor named XXXX and he started to do the same thing and wouldnt work with me to make more payments or anything. He then told me he was done talking and hes putting in his. Notes that I am unwilling to pay and putting the debt into default and no long be able to take the debt off the record once it gets paid in full.
Complaint sub-issue: Company closed your account

i have contacted discover on several occasions in the past year. i did get behind on my credit card. i spoke with a representative that said if i can get my card paid down to below my credit limit they will work with me to keep the card open. i made a large payment that brought me below my credit limit. within 2 days they closed my card after that. i contacted them and asked why and no one really had an answer other than once it closed they cant reopen it and then i was told that they got a power of attorney letter from a debt consolidation company and that was why. i fought with them for a while with no resolution. i contacted the debt resolution company and they stated they did not send them a letter. they refused to send me a copy of the letter they got. about a month ago i got a preapproved offer to reapply. i did and i got denied and the status for denial was due to a situation with another discover card. ive contacted them again. i am in the phone with them for the second time today. i have been unable to get a manager or a supervisor on the phone. they said i have to call the attorney who got my case after they closed my account. i never once got a letter from an attorney and discover was still automatically deduction payments fro my account to pay this card down. they insisted today i have to go through the attorneys office. i called the attorney they told me i have to contact and gave me the number. the woman i spoke with from there was very rude and told me she cant speak to me about anything and referred me back to discover. i found out today while speaking with a representative the letter they received was received back in 2018 and it was because i did go to a debt consolidation company but i did not include my discover and a few others. but they got this letter originally in 2018 and continued to allow me to use my card and make payments and then out of nowhere they close it using this letter as an excuse. i feel like my account was closed and not for the right reasons and now i get an preapporal offer to reapply and i was declined to to the situation with my other card. so they have no intention of being honest about why they really closed my account t and continue to send me stuff to reapply when they will not even consider giving me another card which i. turn affects my credit. i feel this company is shady and doing illegal stuff to justify closing accounts
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX received email stating ICR plan was recalculated to {XXXX} XX/XX/XXXX received email stating payment will be extracted XX/XX/XXXX. 
XX/XX/XXXX XXXX notified XXXX XXXX that I was in school. My loans were placed on in-school deferment XX/XX/XXXX to XX/XX/XXXX. I wanted to be on deferment at this time. XX/XX/XXXX to XX/XX/XXXX interest was paid. 
XX/XX/XXXX received a letter stating that annual recertification is coming soon. 
XX/XX/XXXX completed IDR plan request and mailed it. Question # 4 was answered yes that I want to start making payments under this plan immediately XX/XX/XXXX received letter saying IDR was recalculated to {XXXX} and due on XX/XX/XXXX. Letter also states that I am enrolled in direct debit and we will continue to debit your account for your new monthly payment amount. 
XX/XX/XXXX payment was made of {$260.00} XX/XX/XXXX Received a direct debit bill and that the total to be extracted is {XXXX}. Letter also states that I was enrolled in direct debit and the total of {$260.00} would be extracted. This did not occur. 
So from XX/XX/XXXX to XX/XX/XXXX no payments were made. 
XX/XX/XXXX received a direct debit bill and that the total to be extracted through direct debit would be {$260.00}. This payment did occur. 
XX/XX/XXXX received email stating that payment is due and direct debit will occur on XX/XX/XXXX. 
XX/XX/XXXX mailed in School Related Deferment Waiver form and stated on it to continue payments starting XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

For full details, please refer to my XX/XX/2020 letter to EQUIFAX with supporting attached documents.
Complaint sub-issue: Other problem

I had purchased a XXXX refrigerator from Costco during XX/XX/XXXX/XX/XX/XXXX using my Citi Visa card. As per the card member agreement. I get first two years of warranty from Costco/XXXX .3rd and 4th year warranty from Citi . 
My refrigerator is not working fine since XX/XX/XXXX. It's intermittent issue - it's not always cooling. I created a request with Citi Card benefits for this and they created Citi Card Benefits Request # XXXX. 
XXXX XXXX technician came in on XX/XX/XXXX and did the diagnosis. He charged me {$64.00}. 

Citi is neither telling me the right steps nor making these kind of reimbursements. 
Technician told me the compressor has gone bad and it requires replacement. But he has told me verbally and not in writing. 

But Citi can at least reimburse me for this {$64.00} in the meanwhile. It's a long pending case right now.
Complaint sub-issue: Information is not mine

There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX XXXX XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Equifax several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?