Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent a dispute to Equifax on XX/XX/21. They received it on XX/XX/21. They closed the dispute on XX/XX/XXXX. The results were the item is not currently reporting on my Equifax credit file however, XXXX XXXX XXXX is currently reporting on my credit file twice. I am attaching the certified mail receipt, a copy of my Equifax credit report where the two accounts are reporting the alleged debt that I am challenging and requesting to be permanently removed from my credit file. Equifax failed to properly investigate my dispute and therefore should be IMMEDIATELY removed from my credit file. 

This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and XXXX XXXX XXXX which is not true. I have never had a contract with this debt collection company. 

There is a past due balance showing on this alleged collection account as well. A past due balance cant be shown for an account there was never any payments made to nor a valid contract this is a violation of the FCRA willing reporting invalid and inaccurate information. 

There is another violation showing a past due balance for a collection account which is a violation you have a past due balance for something you have never owed to a company you have had no contract with. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

The previous CFPB complaint is attached indicates that they may not have sufficient time to complete an investigation of the alleged accuracy. According to the FCRA if the 3rd party debt collector stated there has NOT been Sufficient time to complete an investigation the third party debt collector shall immediately change the items in the relevant file as requested by the individual. I requested for this alleged debt to be removed and deleted from all three credit bureaus and for it to be REMOVED from their records.

Also, Equifax make it extremely difficult to submit a dispute as a consumer their customer service agents are awful to deal with and will ask you for your blood type and still not be able to assist you with any matter. I am still waiting for a credit from Equifax for being over charged for their premier product that doesnt work as it should. It doesnt update once daily.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX is the reference for this complaint for the complaint they sent letters stating the accounts would be removed from credit file. I then went and proceeded to collect the total of XXXX usd in the form of a check. I stated in my affidavit the laws that were violated and what law stated for every violation there is a set fee for it. They sent a letter with their logo on it, stated that I owe a debt and many more violations under the U.S. code 15 subchapter 1692.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for these accounts completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.
Complaint sub-issue: Information belongs to someone else

I contacted all three credit bureaus such as XXXX, Equifax, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX  was opened fraudulent. XXXX XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX  XXXX XXXX ( XXXX ) XXXX {$1100.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX is reporting to three credit bureaus XXXX, XXXX, and Equifax that I owe them a balance of {$590.00} the car was paid off. XX/XX/2018 ( 4 yrs, 7 mos The account was opened XXXX XXXX and XXXX XXXX paid the car off. The car was totaled. The car was paid off in full by XXXX XXXX. There saying Im three years late on payments. XXXX took it off my credit report. They refuse to show where the car was paid off by XXXX XXXX. The {$590.00} they say I owe is fraudulent and not accurate. Theyre trying to take money that I dont owe and wrongfully reporting it to the credit bureaus. Ive never made a late payment. The impact this account is having on my credit report is tremendous is a negative way. I need intervention to remove this from credit report.
Complaint sub-issue: Account information incorrect

I have been trying to fix this inaccurate information for XXXX YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX XXXX name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX requested deletion of several inaccurate un verified accts. texas atty general child support ( equifax never investigated ) XXXX  credit card ( Equifax said updated info ) XX/XX/XXXX 2nd request atty general ( never investigated ) I sent copy of court papers. still nothing. XXXX card asked for delete of inaccurate unverified acct. ( Equifax said updated ) still reporting incorrect info. during this time XXXX and XXXX deleted these accounts due to not being able to verify acct. XX/XX/XXXX third request to delete inaccuarate unverified accts. sent second court document for atty general ( no investigation done ) XXXX account I asked for who, how and documents on investigation and received nothing accept ( verified )
Complaint sub-issue: Their investigation did not fix an error on your report

I first contacted Equifax regarding inaccurate information reporting on my credit report from a collection company  XXXX   XXXX   XXXX    XXXX    and  XXXX   XXXX  reporting several accounts that are not mine which was the basis of my dispute in    XXXX   XXXX   XXXX  .  Not only do these accounts not belong to me but the collection agency   XXXX   XXXX   XXXX   XXXX   are not bonded or licensed in the state of  XXXX  to collect debt under the  XXXX   Finance Code . Equifax returned these accounts as " verified ''. I then submitted a certified request in  XXXX  asking for method of verification which I am entitled to. No response from Equifax. In  XXXX  I sent another certified letter requesting that this inaccurate information be removed from my report or that I am sent actual proof that these debt belongs to me. On    XXXX   XXXX   XXXX       XXXX   XXXX  was removed from my report. I was relieved to think I was finally making progress. That was short lived when  two  days later on  XXXX   XXXX , I received an alert from my credit monitoring service that I had a " new collection account added to my report ''. I checked and it was in fact  XXXX   XXXX  being added back to my Equifax credit file. My frustration did not stop there. On or about    XXXX   XXXX   XXXX     , I received an updated report via my credit monitoring service and noticed th at 3 of the 5 ina ccurate accounts from  XXXX   XXXX  were removed from my report. Again, thinking that Equifax was finally doing their job, I was making progress. My score went from poor to fair! 3 days later, I received an alert that new collection accounts were added to my reports. Yes, you guessed it  XXXX   XXXX  was added back to my file causing my score to drop  XXXX  points!!!!! I am furious that not only is Equifax not properly handling my dispute but the improper handling of my dispute has caused more detriment to my score with the removal and then adding these accounts back as if they are " new collections ''. My rights under the FCRA has been violated as well as my rights under the  XXXX   Finance Code . I want all of the accounts being reported by   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  to be removed and STAY GONE from my reports and I would like Equifax to send me an updated copy of my credit report. I understand that Equifax does not control my credit score but the improper reporting of their information drives this score.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I purchased the software from XXXX for protection of my computer. When it was loaded into my computer I could not use Internet because that software started to block access by firewall. I had to remove the software in order to get access to the Internet. When I saw the charge on XX/XX/2020 I called Discover Card and disputed the charge. I did so after calling XXXX who told me that they know about this problem and I was supposed to contact their technical support in attempt to resolve the issue. First of all, I did not about their technical support because their e-mail did not notify me about existence of such support, and then they told me that my request was supposed to be within 30 days. My call ion XX/XX/2020 was exactly on the XXXX day. Since XXXX refused to give me a credit I called Discover card and disputed the charge. Discover card gave me a credit but then I received my new statement that charge of {$39.00} was again posted to our account on the same day of XX/XX/2020. When I called Discover card XX/XX/2020 I was told by Mr. XXXX from Ohio office that I was supposed to have a written confirmation from XXXX that their software prevented me from accessing Internet and that my call on XX/XX/2020 was on 31 first day which is not true because by legal standards counting starts on the following day and XXXX had 30 days span. Mr. XXXX refused to give us a credit for that merchandise which does not exist on my computer because it was faulty.
Complaint sub-issue: Account information incorrect

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX XXXX  not listed Equifax XX/XX/XXXX Payment status not consistent : XXXX  : Current XXXX  ate 120 days Equifax Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.
Complaint sub-issue: Used obscene, profane, or other abusive language

I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; CHLD SUPP VA XXXX Balance : {$0.00}
Complaint sub-issue: Information is not mine

I have previously disputed these items with the bureaus
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Consider this as a follow-up to my previous attempt to file a complaint Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem with fees

I received a statement from Citi Bank stating I had a balance due on my Credit Card. I paid the balance in FULL by the due date. I then received a statement with a balance. I contacted Citi bank and they said " that was the balance due from the time they mailed the statement to the time they received payment ''. I did verify that they did receive my payment before the due date. If thats the case, how will I ever pay this off? I go online, my account says " Balance Due '' and provides a due date. If I pay it in full by that date, it should be satisfied. They continue to bill me interest charges. I pull the bill online to get the most up to date information and pay that. Then I receive a bill for interest. I have tried to resolve this with them even by calling and trying to pay in full over the phone. NO LUCK!
Complaint sub-issue: Information belongs to someone else

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WAS A FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. THE ACCOUNT IN QUESTION IS WITH XXXX XXXX. I HAVE ATTEMPTED TO CONTACT THEM MULTIPLE TIMES TO REQUEST INFORMATION FOR THIS FRAUDULENT ACCOUNT. I HAVE FILLED OUT NUMEROUS DOCUMENT IN ATTEMPT TO GET THIS INFORMATION REMOVED YET THEY CONTINUE TO REPORT THE FRAUDULENT INFORMATION TO ALL THREE CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE ME INFORMATION PROVING THIS FACT. AT THIS POINT THEY HAVE STOPPED RESPONDING TO MY EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. I HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS ME AS A CONSUMER TO REQUEST COPIES OF MY CREDIT REPORT AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT.
Complaint sub-issue: Problem accessing account

I opened an account with Ameris Bank on XX/XX/XXXX.I live less then XXXX mins from the XXXX XXXX Location . While trying to make a purchase I realized my Debit Card constantly declining.I was unable to check my balance at the Ameris ATM. Forcing me to use out of network ATMs. This caused me to receive several XXXX dollar ATM fees.I went home XX/XX/XXXX to sign up for Business Online Banking to access my accounts via app 24/7. I was told to go to the website on my computer and sign up. I was told I would receive a Business ID within 24-48 hrs. I waited until XX/XX/XXXX to go back to the back to find out why i did not receive a Business ID. A teller at the XXXX XXXX Location walked me through the process and many pleas.I began to constantly visit the bank to resolve both issues.I just received access to my account XX/XX/XXXX. When I reviewed my account I realized i was charged five XXXX dollar overdraft fees and the funds were miss managed because I was unable to see my account and make transfers. I reached out to XXXX XXXX ( Branch Manager ) XXXX Location. She Refunded one fee.Then proceed to attempt to blame me for the overdrafts and ATM Fees and would not address me being unable to access Online Baking or The Network ATM. She said she would escalate the issues and contact me within 24hr. Her resolution was to Offer to close my account even thought I expressed multiple times that I would very much like to keep me account open. She said that I would not be issued anymore credits. I called the call center and spoke to XXXX XXXX she was very rude and unhelpful, She transfer me to XXXX XXXX who was also rude and unhelpful. Who then placed me on a 2 hr hold after promising to transfer me to XXXX for the incident report number or this complaint.XXXX XXXX ( Retail Area Manager XXXX XXXX ( Branch Manager ) XXXX XXXX
Complaint sub-issue: Billing dispute for services

Greensky Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 61XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Complaint sub-issue: Talked to a third party about my debt

This company contacted relatives that I did not give their information to. I asked them how did they get that information, they would never tell me. They have been calling and not leaving a voicemail but continuously calling and saying nothing. The woman on the phone said they do n't make the calls but it is automated and they continuously call regardless of time of day.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY EQUIFAX CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has failed to separate my information from my siblings. Equifax disputes were previously submitted ; however Equifax has failed to correctly fix the disputes. My siblings and I have similar names, but separate dates of birth and separate social security numbers. In 2020, I called Equifax 's number in order to obtain a copy of my free credit report before applying for a loan. The Equifax automated system pulled my information and the credit report was sent. After I received my report, I applied and received a loan through XXXX XXXX XXXX XXXX. The loan through XXXX XXXX XXXX XXXX was successfully paid off, and I was in good standings with XXXX XXXX XXXX XXXX. 
My sister recently, created a MyEquifax account using all of her personal details. After the account was created, she noticed that all of my personal information displayed under her newly established MyEquifax account. Since then, several disputes were submitted, and Equifax failed to resolve the issues my separating our details as well as correctly attaching the correct social security number to the correct person. Somehow, Equifax has merged our personal details, and we really need this fixed accordingly. 
There a several disputes with Equifax that are listed on my sister 's MyEquifax account. Both of us tried to get this corrected. Equifax also inaccurately placed my disputes under her username and login information. The disputes listed were not resolved correctly by Equifax. The Equifax dispute numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. We have also disputed and escalated our concerns and the file confirmation numbers are : XXXX and XXXX. Equifax has given us the run-around. This is causing me financial hardships.
Complaint sub-issue: Attempted to collect wrong amount

I have continuously disputed this account that IC Systems continues to report that is inaccurate information. I have requested numerous documents to review the alleged debt but only in return got a partial statement that did not detail binding this alleged debt to me. I have proven that the name is incorrect and also that I am not aware of this account nor is this mine. The company continues to report these inaccurate findings and has ruined my reputation and prevented employment in which during the pandemic is slim to none. IC Systems violated numerous. I have detailed all the violations and would like to move forward with punitive damages if the accounts are not removed. I have attached exhibits of the violations.