Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is regarding my Best Buy Citibank Visa card. On XX/XX/XXXX, I ordered a pair of speaker mounts for {$250.00}. They were to be shipped to my home within one week. This order was never received. On XX/XX/XXXX, I called because, we had not received this item. I was told that we would have another pair of speaker mounts expedited to us by the end of the week ( no later than XX/XX/XXXX ). This date passed by and we never received the reshipment of the product. On XX/XX/XXXX, I called to follow up on this and was informed that the order on XX/XX/24 was never sent out, but that they would credit my account for {$250.00} and cancel this order. Then we could place the order again and pick up the speaker mounts at our local Best Buy store. We were informed to wait 2-3 weeks for the credit to process to our Best Buy Citibank Visa account. This never occurred. I called again on XX/XX/XXXX and was told after months of informing Best Buy of this error that I'd have to open a credit card dispute. The credit card dispute was opened on XX/XX/XXXX and closed shortly thereafter. I was never notified that this was closed or of the results. There is only a letter in my online account stating this was opened and there would be no interest while this is investigated. There was never a letter indicating the results only a 'closed ' next to the investigation appeared online. No one informed me of next steps. Then, after calling twice, once on XX/XX/XXXX and then again today, XX/XX/XXXX, I was told that the item was marked 'delivered ' on their end and the only thing they can do is direct me to contact the local police department and carrier of this delivery. They indicated that I am responsible for these charges. At this point, my credit card is paid off with the exception of these charges ( {$250.00} ) and I'd like a resolution to this matter, as I've been unsuccessful working this out with Best Buy Citibank. I've attached the only letter in my account regarding this dispute as well a screenshot of the area indicating that the dispute was closed with no other details as to the reason.
Complaint sub-issue: Didn't receive enough information to verify debt

I was told I owe a debt of {$38.00} from 2 and a half years ago. I was not given any information on the debt. I was not sent a bill for this. I was not notified for over 2 years concerning this debt now I am constantly harassed by phone. I do not owe this debt. I want this action to stop.
Complaint sub-issue: Their investigation did not fix an error on your report

I am the victim of identity theft I have recently have information to believe that my identity has been compromised I was recently engaged to someone who has access to my personal information and have reasons to believe accounts where open or have been maintained without my consent or prior knowledge
Complaint sub-issue: Problem during payment process

I am unable to pay my my XXXX XXXX credit card as the card does not appear in my profile, when I try to add the card however it says it has already been added. The card carried a small balance. I emailed XXXXXXXX XXXX and received no follow up. The website is VERY VERY HARD TO USE!!!!!!!!!!!!!!!!!!!!!!! They should like everyone else have a separate website for the credit card, not lumped into the website. A simple search shows many people with this same problem. They should be advised to simplify this process.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX TX ) is reporting a balance of XXXX to my credit report. Also, the dates of this account do not match across the chart which is a violation. I have not resided in such apartments. This is inaccurate information and I need this removed from my credit report immediately. It does not belong to me and I will not take credit for this. I have tried multiple attempts sending dispute letters and has not been removed
Complaint sub-issue: Account information incorrect

XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted th e Better Business Bureau an d reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I recently notice that my credit report is showing an 30 day late payment on XX/XX/XXXX. Today is XX/XX/XXXX, how can this be? Can you please help me correct this? Ive made a payment yesterday ( which Ive done before ) to get caught up and this has never happened. 

Thanks in advance for your help, XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I wrote a personal letter certified to XXXX XXXX head Quarters about a bill for {$380.00} suggested by a direct tv supervisor in XXXX, my letter was delivered on the XXXX of XXXX, I called IC System to dispute the collection and I am getting know where. I made the last payment with Direct Tv and Returned there equipment, when I ask to do so to close the accoun, why I was getting billed they said it was there mistake and they would credit my account in good standings and now this matter has been hurting my credit report and it should be paid in full can you please help me so I can a letter to all 3 credit bureau to get this matter behind me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}
Complaint sub-issue: Information belongs to someone else

I recently found identity theft on XX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.
Complaint sub-issue: Account status incorrect

I have sent a letter to 21st Mortgage Corporation on XX/XX/XXXX to state the following late payments reported to the credit agencies incorrect as follows : - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be XXXX late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 30 days late reported to credit agencies. 

I received their respond letter dated XX/XX/XXXX stating that they're reporting correctly according to the payment history. Neither they didn't investigate thoroughly nor review the supporting documents that I've enclosed. Supporting documents clearly show the payment dates made and it weren't late. 

21st Mortgage Corporation has been very difficult to work with and they seem not to correct any mistake that they made even supporting documents provided. I'd greatly appreciate if someone from your agency can assist in this matter.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX my son and I, the co signer, were sent letters of default on 2 loans. When the letter came, I sent a check clearly marked with the 2 account numbers. 2 years later I find out the one account was never credited. I called Discover around the XX/XX/XXXX,  they tranferred me to XXXX. I sent her copy of the cancelled check. She said she would call back in 1 week. After 2 weeks I called Discover and asked to speak with XXXX. Was told that there was no XXXX working for Discover and I must have called XXXX XXXX instead. I said no, I didn't even know what XXXX XXXX was so how could I call them. I explained that the only thing XXXX had done was put the loan in question back on my account. XXXX said she would personally look into it and call me back within 2 weeks. NEVER called back. Called again on XX/XX/XXXX and talked to XXXX in XXXX XXXX XXXX. He saw all notes and promised to take care of things. That was 2 months ago and still nothing is resolved and I have a mark against my credit because of their mistake.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 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. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report CONSERVE XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report
Complaint sub-issue: Investigation took more than 30 days

This will be my third dispute filed with consumer finance regarding thisI filed a dispute with Equifax, XXXX, XXXX, regarding a BANKRUPTCY that is populating on my credit report thats is not correct and is wrong. They keep saying they have verified the information and they have not because when I call the bankruptcy court of XXXX they say the do not submit or verify information to credit bureaus. They refuse to remove the information. I have disputed this over 10 times I have even hired 2 different people to help dispute this and provided documents and they still refuse to remove it. The response XXXX keeps saying is they cant verify my information however I have sent the requested documents paystubs, bill, social. They are sending this automated response to not have to work on my case.
Complaint sub-issue: Right to dispute notice not received

This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account. 

There are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00}
Complaint sub-issue: Personal information incorrect

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX account number XXXX, has violated my rights.

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX account XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX accountXXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account emergency XXXX XXXX, has violated my rights. 
In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX 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 connot furnish a account without my written instructions.
Complaint sub-issue: Didn't receive notice of right to dispute

I have 4 accounts with XXXX XXXX XXXX and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.
Complaint sub-issue: Information belongs to someone else

MY CAR WAS STOLE WITH MY WALLET INSIDE, THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT OR KNOWLEDGE. THEY ALL NEED TO BE REMOVED NOW.
Complaint sub-issue: Debt is not yours

I was the victim of identity theft in my XXXX 's and XXXX 's, which is still affecting me today. There are XXXX  loans that I did not take out on my credit, there are credit cards, credit inquires I didn't apply for, and small loans that are not my accounts. 
I've disputed these debts several times, and they will not remove these from my credit. Some things were removed originally, but these student loans, and other accounts referenced above have not been removed. 
This debt is affecting jobs, housing and my credit.
Complaint sub-issue: Public record

Hello, I have a judgment appearing in the public records section of my credit report on XXXX and Equifax. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my XXXX and Equifax credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and XXXX for reflecting the wrong date. This judgment was filed against me in XXXX XXXX, so it should be up for removal in XXXX XXXX. I 've included a screenshot of what appears on my credit with all three major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.
Complaint sub-issue: Information belongs to someone else

I will attach my FTC Identity Theft Report, driver 's license and SSC. I am a victim of Identity theft. This has happen to me on multiple occasions. I've tried contacting Equifax multiple times but they won't help me remove those fraudulent inquiries. I've done everything in my power to get this done so me and my family can move forward. With the whole COVID-19 pandemic going on, we don't need this additional stress.
Complaint sub-issue: Don't agree with the fees charged

XXXX XXXX enrolled me in their program when I was going through a divorce and unemployed they gave me a predatory loan and their school was a fraud and not an accredited school which was not disclosed to me or any other students at the time of enrollment.  I had questioned them in the beginning how am I getting a loan and I dont have a job and how will I be able to make payments if you cant figure out my income right now, they told me not to worry about it . XXXX XXXX Online has been sued and been to court several times me and other students are victims of their fraud school and predatory loan practices all of what they have done is illegal . They had promised us students that with our degree and their education we would be able to get jobs which has not come to fruition because their degrees mean nothing they are not accredited . It is not ethical to charge students for a degree and education that is meaningless . I know right now their court cases going on against them as we speak.
Complaint sub-issue: Investigation took more than 30 days

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, PA 1XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Complaint sub-issue: Information is missing that should be on the report

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still 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 incorrect personal pieces of information that are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Debt is not yours

Greetings. Happy Holiday Season. Thank you very much for taking a little time to perhaps help assist me on this matter. Since XX/XX/2019 I have been diligently taking care of my personal financial obligations with respect to credit. I have been successful at taking care of my priorities. While taking care and finishing up things on my credit I come to learn that there were a couple of companies that I honestly do not recognize as mine and do not know who they belong to. I sent a each one of them all certified letters that is a formal notice that their claim is disputed. I requested Verification of debt or any proof for that matter. They all sent me the same type of letter suggesting the debt was mine without any real proof. I diligently sent a second letter asking how did they come about with that fallacious claim and by what method did they use to verify the debt or accounts being claimed in my name. They again failed to do this after 60 days of sending letters. So I tried another way to see if XXXX XXXX XXXX  or XXXX could help me look into the matter. I am humbly shocked to see that they are claiming this is mine without proof. I later learned that not having my signature binding me to any type of contractual agreement to pay them is in fact a violation. So Here it is XX/XX/2019. I am willing to take them into court for this however I am a humble somewhat modest individual who simply is seeking help from you guys now. 

Company 1 : XXXX XXXX XXXX saying I owe {$130.00} Account number XXXX**** XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Company 2 : Bay Area Credit Service saying I owe {$860.00} Account number XXXX**** BAY AREA CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX