Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not mine

I got cable TV and internet services From XXXX about a year ago. We verbally agreed on the monthly bills which included the severvices and the rental of modem. They told me that the bill will never change. I set up automatic payments from my account. I hardly even looked at the bills, In XX/XX/XXXX, the bill was raised from {$77.00} to {$93.00} with no notification or reasons given. I did not complain then a few weeks ago I got a mail from XXXX dated XXXX XXXX 2015, they wrote that they have not been billing me for modem rental and so my bill will go up by {$10.00} plus applicable fees and taxes. Few days later I got a mail from Enhanced Recovery Company , LLC dated XXXX XXXX 2015, claiming that my balance with XXXX remains umpaid and my account has been place with them to recover the sum of {$970.00}. Nothing was written as to what that amount was for. I have received no bill from XXXX for anything in this amount. all my bills were autopaid untill I deactivated my autopay on XXXX XXXX 2015 because I intend to stop the service and get internet from another provider. I called XXXX and told them about my intentions on the same day.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX XXXX The car, a XXXX XXXX XXXX, was financed with XXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. XXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. XXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found XXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted XXXX and was told the check from XXXX XXXX XXXX XXXX stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by XXXX on XX/XX/XXXX. XXXX XXXX provided me and XXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

XXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.
Complaint sub-issue: Debt is not mine

I HAVE REPEATEDLY CALLED TO ASK AR RESOURCES INC TO FILE THE DEBT TO BE PAID WITH THE VETERANS ADMINISTRATION FOR THE XXXX OF WHICH I ON MY CREDIT REPORT. THE HOSPITAL WAS ALREADY PAID BY THE VA,,, AFTER 3 CALLS TO THIS COMPANY, THEY ARE STILL REPORTING AND KEEP TELLING ME THAT THEY ARE NOT GOING TO FILE WITH THE VA, BUT ARE A DEBT COLLECTION AGENCY.. XXXX XXXX XXXX =REFUSED TO GIVE THE NUMBER TO THE CLIENT, XXXX XXXX XXXX OR TO FILE FOR PAYMENT ON MY BEHALF.
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX, EQUIFAX and XXXX credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022
Complaint sub-issue: Problem getting your free annual credit report

Again Im having problems with my identity since XX/XX/XXXX. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my ex husband my name is Mudd So since I couldnt get my report online they said I could get it by mail so I sent for it on XX/XX/XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XX/XX/XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my ex has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX
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  XXXX,,, XXXX  XXXX XXXX,,, XXXX XXXX XXXX 

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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX posted a charge off of {$480.00} on my credit report and this is not my account on XX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax XXXX  and XXXX  are reporting accounts that are fraudulent and inaccurate. 

***XXXX XXXX- Filed chapter XXXX bankruptcy Cant Validate loan.  Told from XXXX   XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt XXXX- recalled debt *XXXX XXXX   recalles debt XXXX XXXX- couldnt validate debt or payment history. 

XXXX XXXX reporting inaccurate payment history and cant validate debt. 

XXXX- cant validate debt How are you verifying debt? 
Need proof.
Complaint sub-issue: Report improperly shared by CRC

I have a fraudulent hard inquiry on my XXXX credit report from a company called Credit Plus. I disputed this inquiry directly with the company and recieved documentation, see attached, stating that they have no knowledge of this inquiry either.
Complaint sub-issue: Debt is not yours

A collection agency is reporting {$840.00} to my credit report. They verified the account to the credit bureau when I sent a dispute to the credit reporting agencies. I proceeded to sending the collection agency a letter asking for the signed documents for that debt. That was in XX/XX/2020. I have not received as response.
Complaint sub-issue: Old information reappears or never goes away

I have a a old joint with my ex husband account with XXXX XXXX and XXXX XXXX XXXX XXXX that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX
Complaint sub-issue: Indicated committed crime not paying

XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions.
Complaint sub-issue: Information belongs to someone else

Equifax wrongly believes a tax lien #  XXXX  from the  State  of Michigan for {$3800.00} on my credit report belongs to me when really it wa s ( w rongly, but that 's another story ) issued to my deceased grandfather.     I submitted a dispute with Equifax on  XXXX   XXXX     2017  that was essentially denied when they " verified the information ''. I had other disputes with  XXXX   XXXX  and   XXXX   that both went positively and they have removed the item.     I have a copy of the lien, a copy of both my and his license, and his social security card. I would be glad to verify any information as soon as possible.     Thank you
Complaint sub-issue: Didn't receive advertised or promotional terms

I had opened a Double Cash Credit Card account with CitiBank back in XXXX of XXXX. The rep had stated that there is a promotional offer that if I spend {$500.00} within 3 months of opening the account, I would receive a {$100.00} cashback. By mid XXXX of XXXX, I had already paid off {$680.00} on this card. I waited a month and I did not receive the cashback as promised. I called in and spoke to a customer service rep, who checked my account and verified that I had indeed spent {$500.00} within the first 3 months and that I would be getting the {$100.00} cashback on my next statement. My next statement came in and I still do not see this money. This is when the pandemic started getting bad and I tried calling them numerous times and was unable to get through to anyone. I had also tried messaging them through the app and the person I chatted with told me that they can only see limited information on my account and that I'm not eligible for the reward. They told me I need to call in to speak to a rep to get a better resolution. Fast forward 2 months later, I called them again and this time the rep confirms that I did reach the promotional requirements, but they don't know why the money is not showing up in my account. They told me they would need to check with another department and that I would receive a " determination '' letter in the mail within 7 business days. 3 months later and still nothing.
Complaint sub-issue: Account status incorrect

I was given " cash for keys '' and settled with the Bank of Albuquerque or as they are known Bank of Oklahoma, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. 
XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have submitted over 6 disputes to Equifax. They robotically decline all of the disputes and simply state they don't have to look into it again because they already did once. ( years ago ) HOWEVER, I now have the police report, FTC documentation, and proper paperwork to get these items removed from my credit report because they are fraud. Equifax doesn't care. 

Moreover -- Equifax has it built into their online dispute system to give an error anytime someone tries to submit a dispute on their account that results in removing a negative account. I can prove this. I attempted to submit 4 disputes today. 2 simply asking for information updates, and 2 stating there was fraud and/or inaccurate data. The inaccurate data disputes went through no problem. The disputes with fraud and inaccurate information resulted in Equifax stating there is an " error '' and they could not process my request.. to try again later. I tried this repeatedly -- with the same result. 

I'm no lawyer -- but that seems like shady stuff there. and Ive sent in letter after letter through snail mail -- and followed up with calls just for Equifax to tell me nothing was ever received. Of course there is no way to send anything through email -- even if encrypted. That would result in accountability and tracking! 

EQUIFAX should know why this fraud happened. It was their fault- I am part of the class action lawsuit against them because of the breach. Im going to be including this time in the hours I am billing against them for having to fight this.
Complaint sub-issue: Debt was paid

I had a credit card with XXXX  which is under Plaza Services LLC. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).
Complaint sub-issue: Debt was result of identity theft

Every three months XXXX XXXX XXXX sales or sends an account to the credit bureaus negatively reporting accounts that do no belong to me. I have been the victim of ID theft, I am teenager and have never used my credit to obtain anything from XXXX & XXXX This is the 6th time my credit account has been defamed for this collection in the last 24 months.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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.

The following Account ( s ) : Account # XXXX Original Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1300.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to Equifax ; XXXX  and XXXX a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Public record information inaccurate

I have tried countless times to resolve this issue I called in on, XXXX and spoke to a XXXX at XXXX and we went over how incorrect information was being reported on my credit and I still have not received a updated credit report with this information removed. My date of birth is incorrect I have sent it mail and called and this public record is on my credit that doesnt belong to me. Im not sure how its even placed on my credit when my DOB is not correct. This is bad credit reporting on Equifax.
Complaint sub-issue: Information belongs to someone else

I went to a credit counseling class because I wan na better my future and what better way to start than with my credit. So after checking my credit report again I was shocked to see items that there are items on my credit report that are not mine on my credit report. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again these items listed are not mine and need to be removed from my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXXI used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named XXXX XXXX XXXX XXXX I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.
Complaint sub-issue: Account information incorrect

The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the 9th i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to both Equifax and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while Equifax is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while Equifax is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately
Complaint sub-issue: Account information incorrect

The Credit bureaus are reporting inaccurate information & have not fixed it yet ... They are reporting 2 erroneous accounts for XXXX XXXX XXXX XXXX ... XXXX & XXXX - They are double reporting, we only had one account with them and they are reporting 2.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an item on my credit report from an unidentified collection agency. When attempting to dispute the incorrect information, the lender has no record of balance being owed. The information on my credit report does not identify the agency that placed the collection item on my report and Equifax is not providing information. As such, I would like the information removed completely.