Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

Equifax shows  XXXX  open disputes for the same item  XXXX   XXXX  's creditor ). I disputed the balance and credit limit online however when I tried to attach documents and error message appeared. So, I called and was told to fax the documents. I faxed the documents  X/XX/17    and the  XXXX  information was updated on  X/XX/17   . HOWEVER, they did not close the original dispute. Even though I 've explained it is now correct thanks to them. One rep told me the online system actually did accept my docs even though an error message popped up and that when I faxed the docs their system automatically created a  XXXX  dispute. They refuse to close these disputes which have already been processed and corrected and seem to be reading a script that says I " have to wait until the  30-45 d ay period is over before the disputes are removed. '' As of today diputes #  XXXX  & #  XXXX  are both open and need to be closed immediately as I am trying to obtain a mortgage and these open items are blocking anyone from running my credit reports. In addition, I submitted paperwork via fax to remove an erroneous Tax  Lien  and they said they 're not sure that " released as erroneous '' means that they should remove the lien but instead it might mean that the issuing creditor should never have listed it as released so they are leaving it on my report. They did not read the rest of the letter from the creditor which states that " the above liens were ISSUED IN ERROR. '' Not sure how anyone can mistake that erroneous means it was an error. Thank you! : - (
Complaint sub-issue: Other problem

I used the card sometimes around XX/XX/XXXX for an XXXX  transaction. The transaction was cancelled and a refund {$1100.00} by XXXX with case for reservation XXXX and I was told Citibank have refused to allow the transaction to scale through. I contacted Citi and a case REF ID : XXXX. They have been reporting to credit Bureau false information for over 3 months which has affected my credit score. I have sent several information to citibank since XX/XX/XXXX and all to no avail. 

I have been serious affected XXXX and XXXX that am at this moment considering XXXX. Citi has been treating me badly because I am XXXX and they have suddenly cut my credit line and everytime I made payment to the credit they reduce my limit immediately so I can't use the fund and I have never missed payment. 

I have lost my work due to Coronavirus and still struggles to get intouch with Citi customer service.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XX/XX/2018, I noticed this inaccuracy and immediately sent a letter to Enhanced. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary In their response and letter dated XXXX.18, ERC provided a mere statement that lacked veracity. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. 

ERC must immediately delete this erroneous entry from all of my credit reports.
Complaint sub-issue: Account status incorrect

XX/XX/2018 payment was not late on my best buy card issued by citibank. Company already agreed to fix and they have not.
Complaint sub-issue: Personal information incorrect

I have sent several letters in writing asking for corrections on my credit report with Equifax. I have ask Equifax to remove address that are obsolete and incorrect. I have asked Equifax to correct the information regarding my address and employment information. I am not self-employed or retired. I am XXXX  XXXX and have been for over 10 years now. I have sent proof that I have had identity theft and I I have not received any updated letter or email correction of that information. I am login to the my.equifax.com website with out receiving an error message several times before being able to reach my report screen. I have only been able to reach a customer service representative once early this year in XXXX or XX/XX/2020. I have been disputing information the information on my credit report via online and in writing for seven months and they only keep returning that the information is valid and not removed the incorrect information. They have not provided any variable information to me only an update online when I am able to get to my report screen.
Complaint sub-issue: Was not notified of investigation status or results

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 129 DAYS SINCE I FILED A DISPUTE. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Information belongs to someone else

I would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to equifax XXXX  and XXXX  please remove this account from my records. Thank you.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$6.00} SYNCB/XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00}
Complaint sub-issue: Account status incorrect

I spoke with  XXXX  from  XXXX  in  XXXX  of    2016  about my vehicle. I advised him that I will no longer be keeping the vehicle as my grandmother had passed on her vehicle to me which has no payment. I received several calls from the dealership trying to convince me to keep the vehicle. On  XXXX / XXXX / 16 , my vehicle was finally picked up. Since this time the dealer and owner  XXXX   XXXX  has not followed proper protocol in selling the vehicle as required to satisfy any remaining balance at the time. Instead it has been intentionally reported as an open auto loan on my credit report with a rolling unpaid balance each month. I have disputed this account several times with the dealer directly, with Equifax and with the Flori da Dept of Agriculture. The dealer would verify falsely verify the item as correct. When in fact it is not. Equifax would not conduct a fair and reasonable investigation, but instead used  XXXX  although I requested otherwise by certified mail. There are numerous inaccuracies besides the fact that I no longer own the vehicle. The dealer is claiming to be holding a vehicle for me which is also false, this is an attempt to conceal the fact that he/they have not complied with the laws both State and Federal pertaining to debt collection and reporting.
Complaint sub-issue: Information belongs to someone else

This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

My wife and i went through a financial hardship due to her being pregnant fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure. 

Account- XXXX XXXXXXXX XXXX XXXX Dispute - late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature- seeking forgiveness due to hardship resolution- reflect late payment statues as current/paid
Complaint sub-issue: Account status

XXXX has over charged with their over charge in fee 's and other cost 's, that should not even be legally charged to customers. After ending my services with them they went ahead and continued to over charge in fee 's and other charges.
Complaint sub-issue: Account information incorrect

I checked my XXXX account and seen that XXXX XXXX   and XXXX are showing on my credit report for {$310.00}, XXXX sold this account to XXXX XXXX. I sent XXXX XXXXy a certified letter in XXXX to have them validate that this debt is mine. The company send me a letter back with a paper that shows a bill in my name. The company is not providing me with any documentation with my original signature that this debt is mine.
Complaint sub-issue: Problem with product or service terms changing

I only found out about Equifax 's hack from news sources and checking their site I see I was one of the affected with no one reaching out to let me know, even though the breach occurred weeks ago. The website then automatically enrolled me in their one year identity theft protection services without my consent at all! This identity theft service is incidentally owned by Equifax and as of XXXX XXXX their TOS includes a clause not allowing you to use a class-action lawsuit. My information was already stolen without anyone informing me and now I have been auto-enrolled in a service I do not want with a clause I do not agree to as I fully intend to legally engage Equifax over this. This whole situation has been handled terribly and the company has not attempted any legitimate recourse.
Complaint sub-issue: Information belongs to someone else

This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E )  of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.
Complaint sub-issue: Information belongs to someone else

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Problem with product or service terms changing

Credit Karma keeps sending me cards to apply for, saying my approval odds are great or outstanding..I try applying and am denied, left with hard inquiries on my report that are causing my score to suffer.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I took out a private student loan with XXXX XXXX XXXX which is now  American Education Service between XX/XX/XXXX and XX/XX/XXXX. I still owe approximately {$40000.00} which is more then the loan amount I took out eventhough Ive been paying on it for several years. I read an article that they were being sued by CFPB. I need help with this. I cant get any help from AES to pay this debt off and my payments keep going up. I believe I was one of  those who was affected in the lawsuit however I cant find any information on whether my debt with XXXX/AES will be forgiven.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2018 XXXX XXXX allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.
Complaint sub-issue: Problem accessing account

I have a checking and saving account with TCF bank and every 2 weeks they change my pin number they let me with no acces to my money i try to get answers for the bank and they just said make another pin Im so so so tired with tcf bank i want to make complaint for the bank i need my money
Complaint sub-issue: Credit inquiries on your report that you don't recognize

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX/VXXXX, 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 ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help me.
Complaint sub-issue: Account status incorrect

I have disputed this account numerous times with XXXX  as well as reached out to Citibank to report the inaccuracies of the original first delinquency date. The most recent time I have disputed with XXXX  to report inaccuracies was XX/XX/XXXX and called Citibank and spoke with a XXXX to inform of the inaccuracies on XX/XX/XXXX as well. XXXX updated my credit report on XX/XX/XXXX with the status of account paid for less than the balance along with charge off status and line of credit type of loan. I received a letter from Citibank on XX/XX/XXXX stating that their records are accurate of the original first delinquent date. I have documentation proving my case that they wont acknowledge that I have submitted.
Complaint sub-issue: Information is not mine

A month ago I sent in a complaint to you about XXXX having informed me that information was compromised and that an at XXXX was opened in my name. I didnt do it. I complained to XXXXthey deleted the account along with a sprint account. They then said that they will contact the other XXXX agencies and have it removed as well. It was deleted. But as of today, its listed on my Equifax and XXXX credit report when it wasnt last month. This has been going on for months now. They deleted it from all reports but now its back on my XXXX and equifax. I demand them to be taken off those reports. They are not mine. They were fraudulent accounts opened in my name. Ive attached the letter that experian sent in the very beginning Having to write all this again is very frustrating and time-consuming. In addition, I did get an autoloan ... at 20 % ... its because those XXXX accounts are on my report when they should n't have been. In turn impacted the interest on my auto loan. XXXX says my XXXX is XXXX no accounts in collections. They got it right. Then XXXX says the other XXXX CRA XXXX and EQ is XXXX XXXX. I dont understand but I demand that those accounts be deleted. There 's been a number of complaints that I have submitted. So I 'm a little confused as to who needs what and what ngoes to who. I think I 've attached the right documents
Complaint sub-issue: Banking errors

Discover Bank received my IRA transfer on XXXX XXXX 2020. The same day they received my wife 's. 

My wife received the promised interest rate of .60 % while I received a rate of .50 %. 

I have documented that both transfer checks were received same day but mine was delayed for 3 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries are fraudulent please investigate and remove from my reports ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute this XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

The last statement I received was datedXX/XX/XXXX from Citi Bank Visa. <P/>I would like to ask the Consumer Financial Protection Bureau to interceded on my behalf. I have been trying to get a final statement from Citi Bank since my wife 's death XX/XX/XXXX. The account was since closed and credit cards were cancelled on that same date. <P/>On XX/XX/XXXX, XXXX XXXX XXXX Hospital, XXXX, Idaho issued a credit of {$3600.00} to XXXX 's account. At no time did Citi Bank acknowledge that the account was closed and the Visa card was cancelled since XX/XX/XXXX. XXXX XXXX XXXX Hospital has contacted Citi Bank and requested the return the funds to no avail. Citi Bank has failed to respond to me of the hospital as of this date.
Complaint sub-issue: Debt was paid

I have absolutely no knowledge as to who this company is that put a collection on my report. This was a past due account with XXXX that I paid in full directly to XXXX. This collection should have never been placed on my report as a collection as it was a delinquent XXXX bill that I paid directly to XXXX on XX/XX/2019.
Complaint sub-issue: Was not notified of investigation status or results

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Complaint sub-issue: Information belongs to someone else

I have already reached out once to XXXX  & Equifax about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me. 

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me. 
they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed  above. 

Under the FCRA, unverified, invalid accounts must be removed.
Complaint sub-issue: Debt was paid

Hello guys, I bought a XXXX phone from XXXX XXXX XXXX store in XX/XX/2018. 
which phone was returned to the same store after a week ago. I do have proof of refund to the store. 
So I don't know why are they want me to charge again. 
Also I called to them so many times but they still sending me debt collection letter. 
please help me to remove this amount from my credit account.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXX I started a Business school and took out a Student loan through XXXX XXXX ( I think the 3rd word was XXXX ). The school closed 1 week after they cashed the check. The loan was for XXXX. I never went to school and after never hearing from them, I was asked to start paying back in about XX/XX/XXXX. My current husband and I had our Federal Taxes withheld to pay for this 4 times totaling more than XXXX. In XX/XX/XXXX the loan was sold to XXXX and they were paid at least 1 year at XXXX/mo and a Federal income tax check of over {$800.00}. All of a sudden XXXX is showing the amount due as {$4800.00}. In XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX with a balance of {$4200.00} and I didn't have to pay anything because I didn't have a job and they said they wouldn't use my husband 's income because he wasn't responsible for this debt prior to knowing him. Now XXXX XXXX XXXX wants $ XXXX/month because I have a job and make about XXXX/month. I wouldn't mind paying off the loan right now if it was just the original amount. We've paid more than the original amount and fees, but none of it has ever been credited.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Im just a Co-Signer on the contract and basically its my dads car. He is not able to pay the XXXX XXXX which negatively affect me. I was wondering if they could just remove me from the contract as a co-signer and just solely put the contract to my dad