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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored. I am certain that Original creditor : XXXX is reporting erroneously in Equifax. I do not remember having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete this straightaway. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Complaint sub-issue: Information is missing that should be on the report

On or around XX/XX/XXXX, I received and XXXX report and notice they are inaccurately reporting Citibank an current open line a credit with excellent payment history as account in dispute. I have never contacted XXXX or XXXX and disputed my Citibank line of credit. In addition, XXXXCitibank refused to report any information for the period XX/XX/XXXX, left this information blank effecting my debt to credit ration, current balance and payments effectively impacting the credit scores. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold CitibankXXXX accountable . I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Complaint sub-issue: Account information incorrect

To whom it may concern. i have several different issues XXXX XXXX accidental closed my secured card this action that was not my fault affected my credit score drastically in a very negative way.
Complaint sub-issue: Didn't receive enough information to verify debt

This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. 

The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is suppose to cover. Furthermore, I am a XXXX XXXX with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. 

Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. 
After a few months he left the apartment and defaulted on the lease. 
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month. 
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if  requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS U S DEPARTMENT OF ED XXXX over 7 years old 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Complaint sub-issue: Threatened to take legal action

Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive already tried to dispute is but their saying a authorized the credit pull which I didnt. I dont even own a car
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Debt was result of identity theft

I have contacted plusfour , inc about my debt collection. They say none of my identifying information connects me to any of their accounts. That the account reported to credit bureau is of someone with similar name to mine. I have filed multiple disputes with XXXX saying this is not my account and after reviews the result is that account does belong to me.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022 I received a text message from the bank saying I changed my password. I noticed that money was being transferred to XXXX different accounts. I didn't not receive any requests for my pin number to be used which is the normal way of sending money. So I contacted the bank Cash App to let them know immediately. There was XXXX transactions and I filed a dispute. The bank completely a investigation and the results are they are refusing my disbute. I let let the XXXX know that I do not know these people and my tax monies have just been stolen.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX sent disputes via Equifax on the dates of XX/XX/2022, XX/XX/2022, XX/XX/2022 along with the ftc report and along with ID, Ssc, to remove fraudulent accounts and inquiries that are on my credit report due to ID theft Equifax didnt any investigation closed the investigation with any explanation or documentation of proof of proper validation with my signature, I am victim of Identity theft and Equifax isnt honoring non of documentation even tho it is valid documents I am asking that the cfpb investigates this because this has been a on going issue that I have with Equifax several times I have sent proper documentation and they dont remove or do anything at all I have filed several complaints with cfpb in regards to this issue and nothing is being done about it, prime example I dispute information send proper documentation the investigation is closed the same day it is opened or a few days after it is open I would like for something to be done about this or I will be forced to take proper legal action
Complaint sub-issue: Debt was result of identity theft

I am currently incarcerated, my information was used to open credit accounts without my consent or knowledge. Recently, I got married and allowed my wife to check my credit reports only to see inaccurate and fraudulent information being reported. I have recently ( XX/XX/2022 ) sent out letters with proof of incarceration to each company reported on my 3 credit reports.
Complaint sub-issue: Debt is not yours

Today once again this company has placed a debt on my credit i do not owe. It has been previously blocked after placing the FTC report months ago and I believe it added the balances together to resubmit a different amount. If it is somehow a new debt I could not possibly owe it since my platinum ppo blue shield health plan covers 100 % of hospital visits and it is a billing error on the part of XXXX. This is the abuse that can cripple chances for folks to ever get ahead. I have attached a copy of my health info witch would completely invalidate such a debt. 

This is nothing short of extortion.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : ACCEPTANCE NOW It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report.

Note : ACCEPTANCE NOW was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Its for my Equifax Credit Report theres XXXX on there I dont recognize 1.XXXX XXXX Inquiry Date XX/XX/XXXX 2.XXXX XXXX  Inquiry Date XX/XX/XXXX 3 . XXXX XXXX Inquiry Date XX/XX/XXXX I have called Equifax and they said they couldn't remove the inquiry unless I have filed a report with you CFPB I also have tried to call both companies and could not get ahold of either to help me with this matter. If you could please help me out that would be GREAT now if I did Inquire about those companies please have them email a copy of the Inquiry and where I signed off on it thank you XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I have a credit card with Elan Financial. But every time is Elan Financial calculates Reward Point " willfully '' wrong and also, it does not allow me ( other consumers similarly situated ) to redeem Correct Reward Points on-time. There is always a story, Not XXXX, Not XXXX and story goes on ... ... ... ... ... ... ... ... ... ... ... .. Elan Financial is engaged in massive consumer fraud. Once I get reward points, I plan to close this card. Operators are racially abusive and discriminatory. This is not the first time I complained about Elan, this is the third time with no resolution.
Complaint sub-issue: Investigation took more than 30 days

Equifax did not respond within 45 days This puts them in a direct violation of the FCRA : Failing to respond to your written disputes within 30 days ( a 15 day extension was granted because of Corona ) FCRA Section 611 Part ( A ) ( 1 )
Complaint sub-issue: Charged too much interest

on XX/XX/17 I had my kitchen redone by home depot. The charge on my credit card was for XXXX. I have been paying my bill monthly and lowered my bill to XXXX. I received a bill in the mail that charged me XXXX in interest, bringing my bill up to XXXX. I feel this is excessive and I was unaware of the interest that would be added to this bill by a certain date. If I had been fully informed of this practice I would not have agreed to this knowing my financial limit. I called and spoke to someone on the phone declaring my concerns and they closed my account and and stated I can pay a certain amt for 5 yrs. I feel violated and feel I was misinformed of this credit card rules. I work hard to keep my credit in good standings and this grossly unjust interest has set me back. I can't believe this could be a legal practice. Please advise.
Complaint sub-issue: Attempted to collect wrong amount

I have had this bad debt on my record and have contacted XXXX XXXX XXXX many times about it. The amount is for canceling my phone contract and they say I never turned in phones. I did and proved it and somehow this collection company got it anyway. So then I contacted Enhanced Recovery Company and was offered a settlement and agreed to it. When I went to pay they said they have no record. I challenged this debt twice and have been given the run around. They have threatened suing me and garnishing my wages even when I tried to come to a agreement with them. My credit have now been effected for yeas over their fraudulent activities. I have tried many times to clear this debt and only been spun by this company.They just lie and spin us and refuse any reasonable offers. 

ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX I want a resolution to this so I can fix my credit and buy a home.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Frequent or repeated calls

US Bank is saying I owe them {$1700.00} over 1 penny back in 2007 I tried to resolve the problem I couldn't get any help so I just left the bank alone. They were trying to charge me {$100.00} for the penny overdraft now they want {$1700.00}. They state that they are a federal bank and will get their money. {$1700.00} for 1 penny
Complaint sub-issue: Personal information incorrect

The name and address of someone who is not me have been listed on my Equifax credit report for several years. I have filed at least 4 disputes directly with equifax which are all listed as resolved but have not completely addressed the disputes. On the Equifax website, I am able to dispute the name ( which is accurate ) but I am not given the option to dispute the listed alias ( which is incorrect ). Each time I dispute the current address ( which is incorrect ) my dispute is listed as resovled but the address persists. The earliest disputes filed were back in XXXX and XXXX. They are listed as resolved but did not fix the error. The disputes were filed in XXXX, XXXX, and XXXX of XXXX. My latest dispute with Equifax I have filed additional disputes with XXXX  with greater success, although it required several follow up disputes to clear my record.The latest dispute confirmation number with Equifax is : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX I was reviewing my credit report and a bank that I had opened in the past closed AND CHARGED OFF for an overdraft amount that is different from the balance that the XXXX XXXX is reporting to the Credit Bureau. This was a checking and savings account and there was NEVER A LOAN THERE WAS NEVER AN ACTIVE TRADELINE ON THIS ACCOUNT. and for years it continues to report a balance and CO when in fact this was a checking account. 

On XX/XX/22 I sent letters requesting a proper and fair investigation XX/XX/22 XX/XX/22 The account is CLOSED this means the account has not been properly verified. I provided proof and also followed up requesting that they look into this matter.
Complaint sub-issue: Debt was paid

I went to pnc for my credit card and paid them in the branch for the amount owed in XXXX now they are saying that Im 2 months late which dropped my credit score. And it never deducted. Which is messing up my whole business. I contacted them and told them. They said they needed a receipt
Complaint sub-issue: Account information incorrect

i have alot of wrong listings on my credit that are descrobed in the letter attached and need the fixed and deleted
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/2020 ; XXXX - CARD SERVICE XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 2020
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly sent them the paperwork of a lawsuit that shows this info should be deleted off my credit report and not report at all. I sent them paperwork where the other reporting agencies deleted it but this agency refusing to delete and keep changing information and hurting my credit score
Complaint sub-issue: Not given enough info to verify debt

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.
Complaint sub-issue: Information belongs to someone else

ive sent In copies of my FTc identity theft report asking for corrections to be made.
Complaint sub-issue: Information belongs to someone else

I became incapacitated from an illness in XX/XX/XXXX and had to obtain several in-home caregivers for 14 months. My caregivers and my sister was tending to my financial affairs until XX/XX/XXXX and at that time I took back control of my finances. I discovered at that time that my credit had been fraudulently exploited and my identity had been used to obtain several unauthorized accounts. I have reported the illegal use of my credit and my stolen identity to local law enforcements as a result.