Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Inadequate help over the phone

Equifax has reported XXXX x Hard Inquiries by the same company on my credit within a 30-day period ( XXXX was XX/XX/2014 and one was XX/XX/2014 ). Experian and Transunion had the same information on my credit and once I called them, they both removed the XXXX hard Inquiry due to the fact that if there are XXXX Inquiries by the same company within a 30day period, it should only count as XXXX. I was told by both XXXX and XXXX that this is a regulation put in place and all XXXX credit agencies abide by the same rules but when I called Equifax, they said that within 30-days means it has to be in the same Calendar month and not actually within a 30-day period. The XXXX people I have contacted both spoke somewhat broken English and when I tried to explain to them that within a month means within a XXXX day period and not actually the same calendar month, I was told that I 'm wrong ( even though the other XXXX agencies agreed with me and removed the Inquiry ) and that unless its in the same calendar month they wont remove it for me. I have called them several times and spoke to XXXX different supervisors and they both refuse to help me with this. Is there anything you can do to help me? I was told by both other agencies that I was correct and the XXXX Inquiry was removed immediately. 

Thank you in Advance
Complaint sub-issue: Account information incorrect

I made settlement arrangement with XXXX XXXX XXXX and made my payment on XX/XX/2021. They did not offer to remove them from my credit report but they did say they would mark them as charge off and paid in full for less than the full balance. I am fine with this agreement, but I'm not fine with XXXX & Equifax not following through and reported these as paid. XXXX is reporting them as legally paid in full for less than dull balance in the comment section but no where else. And on on of the XXXX accounts all three bureaus are still reporting the balance almost a full year later. I've sent them XXXX separate letters concerning this.
Complaint sub-issue: Company closed your account

My account was summarily closed after some 25 years of a solid relationship, our always paying the full amount charged each month. We are XXXX XXXX, XXXX with XXXX XXXX, the other XXXX XXXX XXXXXXXX XXXX, having only XXXX credit card. Thus it's closure leaves us without means to have groceries and other essentials delivered as the pandemic and our personal handicaps have necessitated. When I phoned customer service to remonstrate I was told the account was closed at my own request. If that is Citibank 's impression it could only be a mistake, perhaps due to misunderstanding telephone language or computer mishandling, and it seems contradictory to the paragraph in the card agreement pledging fair treatment to all regardless of age and limitations. I had earlier asked for a copy of the card agreement in an effort to understand the company 's interest system, since my last statement carried a significant interest charge for the very first time. The company has rejected my plea for reinstatement.
Complaint sub-issue: Didn't receive enough information to verify debt

I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$76.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents verifying this debt have never been provided to me and the main reason for that is, they do not exist, but if they do, as you should know, you have 5 days to provide them to me In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the licensure, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed an account called XXXX XXXX on my equifax credit report. I do n't believe this account belongs to me. I have been provided with no proof that I have contracted with them. No documents showing that I agreed to owe them money. Equifax also removed this account then added it back the next day which dramatically affected my report negatively and they did not notify me of this activity which they are required to do. I have notified equifax of this error and they still refuse to abide by the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing bankruptcies with XXXX, XXXX and Equifax and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the XXXX major reporting agencies XXXX, XXXX and Equifax that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, Bankruptcy Reference : XXXX, US BANKRUPTCY COURT- XXXX , Chapter XXXX has violated my rights. 

The time for this has expired and should have been removed. 

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: Trouble using the card to spend money in a store or online

I submitted a dispute with Cash App on XX/XX/XXXX due to bath and body works over charging me by {$72.00}. 

XXXX XXXX XXXX XXXX admitted to the overcharge ove email, which I submitted to cash app. 

Shortly after the dispute my cash app card was disabled and they revoked my access to use this card anymore. They give a generic response as to why. 

I spent {$50.00} on their NEW METAL cash app card, which in return they revoked the card and every time I request a refund they all give a generic robot response. 

I have been a customer FOR FIVE YEARS. First dispute in YEARS. 

I want my {$50.00} back for the METAL CARD I CAN NOT USE PER YOUR POLICY.
Complaint sub-issue: Debt was paid

I enrolled in a payday loan debt consolidation program eliminatepaydayloandebt.net XXXX Payday Loan Debt Relief XXXX in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after Payday Loan Debt Relief withdrew {$400.00} each month for XXXX months. I was promised a closure letter and finally received it XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted XXXX and they state they have not received any payment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX made a hard inquiry on my account on XX/XX/2017. No institution information is provided. I have no idea what this is from and would like it removed from my credit
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 are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Complaint sub-issue: Reinserted previously deleted info

THESE ACCOUNTS BEING DELETED AND RE-ADDED THAT ARE NOT MINES IS CAUSING ME GREAT HARDSHIP AND WILL HAVE NOT CHOICE BUT TO CONTACT A LAWYER. 

I have had XXXX accounts readded to my credit report. The more I dispute the more wrong my report is causing me hardship. I can also not get access to my credit report. 
Accounts re-added are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) accounts and XXXX that is more than 10 years old. 
These accounts are being deleted and added back each month. 
These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Closed 1 Missed Payment {$1000.00}
Complaint sub-issue: Personal information incorrect

EQUIFAXS reporting of my information inaccurate and unfair. According to 15 USC 1681b ( a ) ( 2 ) my written instruction giving my consent has never been given to EQUIFAX. Numerous fraudulent accounts have been found while doing a search of my credit report such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  There is also multiple inquiries that should not be on my credit report and are impermissible and without my consent. My personal information is also inaccurately being reported.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I purchase this car in XX/XX/XXXX and keep the car until XX/XX/XXXX at which time I did a volunteer repo. The car was sold to me at XXXX and at the present time XXXX still say I owe XXXX in which I paid {$420.00} per month for five year and the car was sold. They will not tell me Im which the car sold for.
Complaint sub-issue: Personal information incorrect

There is an address on my credit report that is not mine, I never lived at that address. 
The address is XXXX XXXX XXXX XXXX, AL XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.
Complaint sub-issue: Debt was result of identity theft

In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
Complaint sub-issue: Personal information incorrect

hello my name is XXXX XXXX XXXX and i live at XXXX XXXX XXXX XXXX XXXX, Arizona.Plea.se remove other names and address
Complaint sub-issue: Account terms

EqufFax.Credit Reporting Agency is now showing a negative delinquent " closed '' account on my credit report and they have reduced my credit score to based on this account which has been closed since XX/XX/XXXX and has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. I have filed a dispute with Equifax XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Complaint sub-issue: Debt is not yours

This account is in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$40000.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my MC ATT Universal Citibank card on X/XX/2016 for {$690.00} then another one at the same day of {$19.00} and another one on XX/XX/2016 of {$6900.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX  XXXX  XX/XX/2018XXXX  XX/XX/2018XXXX XXXX XXXX XXXX XX/XX/2018
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting Act XXXX XXXX  XXXX Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Complaint sub-issue: Didn't receive notice of right to dispute

I have no knowledge of account. It shows XXXX but I havent had XXXX in nearly 10 years.
Complaint sub-issue: Didn't receive enough information to verify debt

This debt will b e seven year s old this coming   XXXX   XXXX    , I have on several occasion requested proof that this debt belongs to me via my original signature on an agreement that I owe this debt to the original creditor and or to the collection agency, and proof that they are license to collect in the state of Ohio, proof of agreement that grant them the authority to collect on this alleged debt. As of today, they have not providing any proof to me. I am requesting you do an investigation to remove this alleged debt from my credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Ive spent about 3 hours over the last 3 months or so trying to get a fraud charge taken off my Citibank charge card account. 
( Ive called 4 times so far ) They canceled the card & sent me a new card with a new account number. The fraud charge were then put on my new account with the new account number when I received the new statement. I should have a credit of about {$4.00}. On the account, not {$140.00}. Charge. Citibank then added late payment fees & interest fees. Citibank is still asking for a payment for a charge thats not mine. I have been with them for 17 years or so with my personal charge & close to 30 years with a business account. NOT HAPPY
Complaint sub-issue: Account information incorrect

The three credit bureaus ( XXXX, XXXX, Equifax ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Equifax - XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX  has reported twice amounts that they said I owed on fraudulent accounts. When the issues were finally proved they were not my accounts they failed to restore my credit rating to the number it was prior to the problem.
Complaint sub-issue: Not given enough info to verify debt

AR Resources, Inc. sent a letter on XXXX XXXX, 2016, requesting a balance of XXXX. I sent a letter of validation and verification of the alleged debt, which was received by AR Resources on XXXX XXXX, 2016, via US Certified Mail # XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX, Supervisor, verified that my letter of verification was received in their office. AR Resources applied this account to my credit file days after becoming aware of my letter of validation and verification. AR Resources has not provided me with proper verification and I am requesting an immediate removal of this account from my credit file. I am requesting a cease and desist on this account until AR Resources can validate this alleged debt and send proper verification.
Complaint sub-issue: Their investigation did not fix an error on your report

How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Complaint sub-issue: Account status

I tried to dispute this error with XXXX and Equifax but they keep shutting my down online with statements about getting a credit report but they wo n't issue it online. The problem lies with the credit reporting agencies ( CRAs ) allowing a junk debt buyer to report accounts under the regular account column versus in the collection account column. There have been numerous complaints about the CRAs and XXXX XXXX XXXX doing this. I just checked my report that I obtained from another source and They are still reporting as a factoring company instead of a junk debt buyer. This has taken a tremendous hit on my credit scores by them reporting this way and I have been denied credit opportunities as a result. The CRAs will not stop them and do not thouroughly investigate the problem.
Complaint sub-issue: Didn't receive enough information to verify debt

There is an unknown collection on my credit from procollect
Complaint sub-issue: Trouble with how payments are being handled

I have a payment that is due XX/XX/2019 XXXX I got approved for Income driven payments which start XXXX for XXXX. They are refusing to give me a forbernce for XXXX I can not afford {$860.00}
Complaint sub-issue: Fees charged for closing account

On XXXX XX/XX/2021, I attempted to close my account with Bank of the West. I had a checking and savings account. I physically went into a branch ( located at XXXX XXXX XXXX, XXXX, CO XXXX ) and asked the bank teller to take out all of the money of my checking and savings account. I received cash in the total of the two accounts. I asked for my accounts to be closed again. I received confirmation that this would occur. On XXXX XX/XX/2021, I received a statement and logged in to my online account. There, I received a fee of {$15.00}. I called Bank of the West to resolve this issue, but they were unable to do so, insisting that I overdrew my account ( because of the fee for not having sufficient funds, when I should not have had an account open with them ) and refusing to close my account until I paid the balance in full.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, XXXX and 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.
Complaint sub-issue: Their investigation did not fix an error on your report

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the Equifax and XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00}