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

I disputed an account on my Equifax report. It is from a collection company called XXXX XXXX XXXX. Original creditor was XXXX XXXX XXXX XXXXXXXX XXXX. I have no clue who this original creditor is. Equifax said the information was accurate but when I spoke with a representative I was told their investigation process was to ask XXXXXXXX XXXX if the information was correct. They replied that it was. The end. I have asked Equifax and the creditor to supply me any kind of proof that the account is mine. No one has. I have no idea how to prove that something does not exist. Please help. The amount of this collection is {$220.00}. Original date open was XX/XX/2013. I certainly do not believe that the FCRA held this type of investigation as appropriate protection for the consumer.
Complaint sub-issue: Information belongs to someone else

please delete the accounts, I am not the owner of the accounts. I wrote letters to credit bureaus asking them to provide evidence but they did not supply it. CFPB remove the accounts asap XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX   XXXX, XXXX ( Original Creditor XXXX XXXX XXXX HOSPITAL  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX,
Complaint sub-issue: Information belongs to someone else

The foreclosure that was placed on my credit report erroneously, by XXXX XXXX for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

The following accounts were discharged in bankruptcy and there is no bankruptcy on file. 
I have filed multiple disputes with Equifax and they continue to report these inaccurate accounts on my credit file. XXXX XXXX XXXX Account # XXXX & XXXX XXXX XXXX XXXX Account # XXXX. Please remove these inaccurate accounts from my credit report. There is no bankruptcy on file so these accounts that are included in Bankruptcy need to be removed immediately. I have attached the credit report that i received from Equifax dated XX/XX/2021 which shows that both of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were included in bankruptcy. Bankruptcy has been removed due to inaccurate information reporting now please remove these accounts that were tied to the inaccurate bankruptcy. I have attached the Equifax reports, my drivers license, social security card and utilities bill for proof of identity.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still 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 information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMP
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I leased a vehicle in 2014 with XXXX XXXX XXXX. Unfortunately I lost my job and was no longer able to pay my lease, so the vehicle was repossessed. The charge and account was close on my credit report, but I am still being charged and the amount has increased significantly. I have written a letter and the company added on over XXXX to the account.
Complaint sub-issue: Problem getting my free annual report

I was trying to get my credit reports from all XXXX reporting companies via XXXX. When I got to the Equifax site, I was asked a security question that related to how much the required payment was for a specific account and I gave the wrong answer. The problem is that the account happens to be a home equity line of credit, and we had just written another check, so the number changed recently. It seems rather stupid to ask questions like that about accounts where the monthly payment can vary. The real problem is that once you get the security question wrong a XXXX time, you are told to send sensitive documents via the USPS in order to request your report. There should be a way to upload required documents to a secure site. At the very least there should be a phone number to call so that you can request your report via the phone, or speak to a person about why you are having a problem. What would have happened if the account that I was being questioned about happened to be fraudulent? - I would have no clue how to answer the question and then would experience a delay in getting my report, possibly allowing time for more fraudulent accounts to be opened. The XXXX companies should be required to provide a phone number or computer chat capability at the point where they prevent you from accessing your own credit report to prevent delays.
Complaint sub-issue: Attempted to collect wrong amount

I am a NJ XXXX account holder. Account # : XXXX My vehicle license plate number is : XXXX My account is current, and is enrolled in auto pay. For some reason my tag is not being read in NY, and I've accumulated 32 toll violations. 

I have no idea why my tag is not being read and why I keep getting violated and not recognized under NY XXXX tolls as a NJ XXXX client. 

Please refer all the outstanding tolls ( and subtract the violation amounts ) directly to my NJ XXXX account. 

I see no reason why I should be forced to having to pay toll violation fees in addition to actual toll value, as I am an XXXX account holder. If NY and NJ uses different XXXX facilities, they should be labeled accordingly and not be held under the same umbrella. 

Otherwise, I will be referring these toll violating methods to the Attorney General Office in each respective states, for predatory practices.
Complaint sub-issue: Company closed your account

Citi card closed my credit card account with NO advance notice or NO communication sent ( via a call/email/letter ) that my card has been dormant for more than 24 months ( i.e. I did not use this card for any transaction ). This abrupt closure has affected my overall credit limit, overall credit history and my credit score which shows a drop now because of this unethical business procedure. Peers of Citi card such as XXXX, XXXX, XXXX, etc. at least provide advance notice in such regards and are customer-centric to let the customer decided on the next best action on a particular card. All Citi card cares about is that bottom line they make money off of their customers. Their business practices do not allow the customer to be notified or seek their approval for such things. This business practice was confirmed by a supervisor in their Credit Card business called XXXX whose Rep ID is XXXX ( Citi card does not give an advance notice nor do they allow customers to transfer existing credit card limit to an existing card prior to closing it without advance notice )
Complaint sub-issue: Reporting company used your report improperly

At some point around XX/XX/XXXX, i sent in disputes to the Credit Reporting Agencies. 
I am reiterating that XXXX, Equifax and XXXX are reporting my Private/Public information from my " XXXX XXXX XXXX ID # XXXX '' without my consent, nor have they gave me written notice of what would be reported or what info I wanted publicly reported. ( See Fair Credit Reporting Act ) These agencies are in violation of the Privacy Act as well. 

All information being reported is not information reflected within my true credit report with the Consumer Financial Protection Bureau. As a living breathing Man made flesh and Blood my Credit lies within the " Full Faith and Credit of the United States of America '' as they have made it illegal to possess lawful money. ( See : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Sec. 10, The Coinage Act 1972 Sec 11 & 20 ) These reports facilitate credit discrimination and deny access to the " Full Faith and Credit of The United States '' in violation of the " Equal Credit Opportunity Act. '' Could you please exercise your authority and instruct the subsidiaries and/or Agencies to reflect the " True Credit/unlimted Credit '' that all americans have to live " A Better Life Experience. '' Digital 850 as we rely solely on the legal process and the US Treasury Dept to make the payments on all Principal and Interest incurred by the public/private debts of the people. 

Thank You I appreciate your professional services and I look forward towards your quick and professional response.
Complaint sub-issue: Can't decrease my monthly payments

Once I completed XXXX in XX/XX/2015, I understood I would have to begin paying my student loans to FedLoan Servicing after 6 months. Though I was employed, I was n't able to pay what they were asking of me, which was over $ 1,000/month. Not to mention that I am a single homeowner with a mortgage and other financial obligations. There was no way I could afford this payment or even what was asked of me on an income-based repayment plan. For a while I decided to take a forbearance for a financial hardship, as explained to me as an option. This was honored, but as I 'm sure you are aware the interest that accrued on a daily basis was insane and added almost an additional {$10000.00} to the loan which was already over $ 100k ( this includes remaining loans from XXXX and my XXXX loans ). I always called the servicer and informed them of my issue, but each time there was nothing they could do. I suggested being able to pay at least {$100.00} to go towards the loan, but that was always unacceptable. I asked if they could consider if you have another major loan like a mortgage to help bring down the cost. The answer was always no. For any loan that I 've had ( car, mortgage, credit card, etc.. ) I 've always made my payments in full and on time and as proof my credit has remained in great standing. In the XXXX ( XX/XX/2016 ) I decided, after being advised to discontinue the forbearance, to go with the income-based repayment plan, which resulted in a monthly payment of over {$400.00}. I told them I still could n't afford this, but according to the representative I could pay what I could to avoid the continuous interest charges on a daily from the forbearance and they would n't report anything to the credit bureaus for 90 days. Well that was a lie because just recently I received a notice, better yet a threat, that they would either contact the credit bureaus, garnish my paycheck, or take my tax return if I did n't pay over {$600.00}. I would pay at least {$100.00} to ensure something was paid, but that apparently was n't good enough. I believed this was better than continuing a forbearance that would only lead me into further debt. I could see if I did n't pay anything, but my efforts went unrecognized. I feel like I was misled and now I 'm paying the price yet again for taking them up on their advice. My financial situation has n't changed and I refuse to lose my good creditworthiness, my home, or any other thing for a loan that I already advised time and time again I could n't pay. Unfortunately, I have n't received the big paying graduate level job yet, so until then I just want them to work with me because I take responsibility and ownership for my debts. I think it 's unfair that they wo n't let individuals pay what they can based on their individual situations without penalizing them for deciding to further their education. Something has got to give with these student loans. Please help me. I look forward to your response.
Complaint sub-issue: Company closed your account

Citibank 's response to complaint XXXX was unresponsive and appears to be intentionally deceptive. 

1 ) There was no response to refund of over {$500.00} in credit card fees. 

2 ) No valid reason was provided for the closure, which appears to be discrimininatory and illegal. The response to contact XXXX XXXX is unresponsive as the orginal complaint not only noted, but provide the letter sent to XXXX XXXX what was sent and Citibank unresponsive. 

3 ) Citibank cites " we may close your account or suspend account priveledges at any time for any reason. '' However, Citibank may not discriminate or illegal close any account, whcih appears to have happened here. Not only is obtaining any reason being obfuscated, Citibank illegally seized credit card fees that were paid, but did not provided benefits according to the terms for the period in question. 

XXXX XXXX 's letter of XX/XX/2022 is unresponsive and appears to be intentionally unresponsive. There are deeper legal issues here that need to be moved up the heirarchy to investigate and resolve. 

There is an intentential pattern of obfuscation with Citibank on this issue and gives the appearanace of unlawful conduct to consumers.
Complaint sub-issue: Information belongs to someone else

These following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Pro-collect Inc. Account number XXXX Date Opened : XXXX XXXX I Have attempted to get this debt verified through the collection agency mention above but yet they have failed to verify any debt. I have attempted to validated this debt via Mail ( Certified Mail ), Through XXXX and via telephone but yet the representatives tend to harass me daily since I called asking them to validate the debt. In the past month I have received more than 15 calls from Pro-Collect. While on the phone I asked to get the information validated and even sent to my current address but they failed to verify the debt from the original time ( XXXX days ) after it was placed on my credit report, In which, I called and sent a letter ( certified mail ) asking them to remove the collection since they could not validate the debt themselves but yet the collection remains on my report. I have now submitted an affidavit to idenitytheft.gov, because XXXX ) In general. Except as provided in paragraph ( a ) ( XXXX ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( XXXX ) In general. 
Show ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( XXXX ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 


but yet they have failed to validate any information resulting in the removal of the collection on credit and which the collection agency failed to do so as well.
Complaint sub-issue: Debt was paid

I received a letter from the ZuntaFi company about how my student loan servicer has changed to them and not XXXX. I am currently up to date and paying my student loans with XXXX. The account manager XXXX XXXX, stated that I owe {$17000.00} and if I pay {$3500.00} my student loans would be paid in full. I told her that I am paying my student loans with XXXX and have no other federal or private student loans. She insisted that I was wrong and has been sending me letters, emails, and threatening to damage my credit. I have confirmed my student loans with XXXX and the Federal Student Aid ( government ) website. None of this information she has is correct. She mailed me my original promissary notes, that has been refinanced with XXXX. I am still paying them off. I have asked her to stop contacting me and to cease all communication and harassment. I would like to report her ( XXXX XXXX ) and the company ZuntaFi Corp XXXX XXXX XXXX for illegal business practices and scamming. She has sent me a letter stating that she will send the dispute to the credit reporting agencies and may take up to 30 days of longer to update the reports. There address is XXXX XXXX XXXX XXXX XXXX, SD XXXX. Please look into your student loan balances on the Federal Student Aid website to very all student debts owed. If I didn't do this, I would have paid {$3500.00} on a debt that I am still paying on. Please be careful out here.
Complaint sub-issue: Don't agree with the fees charged

I called Great Lakes Student Loans about additional payments that were added to my account. I was keeping detailed notes about what I owed due trying to pay off my student loans account. Also, on XX/XX/2019, I sent Great Lakes Student Loans a letter detailing and disputing additional fees on my account. 

Namely, On XX/XX/2019, I had a total owed balance of {$5900.00}. 

On XX/XX/2019, I paid an additional amount of {$400.00} leaving a total owed of {$5500.00}. 

On XX/XX/2019, my owed balance was changed to {$5600.00}. Great Lakes Student Loans had added a total of {$160.00} to my account. There was no record of any change on my account except that Great Lakes Student Loans had changed my balance. I was not notified in anyway that there were additional charges or what the charges were for. 

On XX/XX/2019, I made a payment of {$43.00} leaving a total listed balance of {$5600.00}. 

At this time, my balance should have been {$5400.00}. 

On XX/XX/2019, my balance was again changed. The new listing was {$5700.00}. Great Lakes Student Loans added an additional {$120.00} to my account. Again, I was not notified and there were no records of any changes listed on my account except that my balance had gone up. 

On XX/XX/2019, I paid an additional payment of {$1000.00} which should have left me with a balance of {$4400.00} On XX/XX/2019 I made additional payments of {$350.00} and {$750.00}. My total owed balance should be {$3300.00}. However, my balance is {$3600.00}. 

As of XX/XX/2019 I have not heard back from Great Lakes Student Loans.
Complaint sub-issue: Frequent or repeated calls

This company calls me 15+ times a day and has now started calling my parents  on both their landline and cellphones. They dont ask my parents  for my current contact information because they already have it. They have shared private information with my parents stating that they are trying to collect a debt. I have asked them to stop contacting my parents and they wont stop. I also get calls every day of the week including starting at XXXX on Sundays.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Also the fact that Three Equifax Managers Sold Stock Before Cyber Hack is unbelievable and disgusting.
Complaint sub-issue: Their investigation did not fix an error on your report

Be advised this is not a refusal to pay, but notice that the claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX # XXXX for {$310.00}, XXXX XXXX # XXXX say I owe XXXX XXXX XXXX, or XXXX XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay the companies named in this dispute not who they are trying to collect for.
Complaint sub-issue: Debt was paid

Please remove the medical bill showing XXXX on my credit report. I agreed to pay the payment schedule and was paying then they stopped and I tried calling and they sent it to collections. Also there is XXXX on there as well and that account was agreed to be closed by original apartment complex because I moved out a month early because they had n't fixed AC in over 3 weeks. Breaching there own contract. I paid my last month and they agreed that was enough. Now it shows I have housing debt. This is not good I ca n't even find a apartment to live in when this was not even my fault! This is a crime. Please help!!!
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report
Complaint sub-issue: Was not notified of investigation status or results

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Complaint sub-issue: Information is not mine

I did not apply nor authorize these inquiries I would like them deleted immediately it 's making it hard to obtain credit and a accurate score with inaccurate info reported
Complaint sub-issue: Public record

Equifax has several disputes concerning my issues. I filed Chapter XXXX but I won a XXXX lawsuit and i the did a voluntary dismissal. Equifax has been informed. They also continue to show XXXX mortgages as wage earner plan when XXXX were paid off in closing with wiring instruction. They continue to damage me amd my credit by reporting inaccurate information.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per XXXX  iao . Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$750.00}. # 4.XXXX  XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.