Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I received a collections notice regarding this balance on or about XXXX. Pursuant to my rights under the FDCPA, upon receipt of that notice I responded appropriately to dispute that alleged debt, requested verification of the alleged debt against me, and that a copy of the bill be mailed to me. I never received any response from any agency regarding this balance and assumed it was resolved.
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In XXXX XXXX, I identified a ( meritless ) derogatory remark on my XXXX  credit file in XXXX XXXX from Enhanced Recover Company, LLC. I had no prior contact with that company prior to that remark. I called ERC onXX/XX/XXXX. They had no records of any prior notices sent by your office or any other debt collection agency, nor could they send me verification of the alleged debt at the time of the XXXX XXXX call. I received a letter from ERC dated XXXX XXXX however it fails to provide the other required items required by the FDCPA 809 ( 15 U.S.C. 1692 ( g ) ), including sub-sections ( a ) ( 3 ) - ( 5 ).
Complaint sub-issue: Reporting company used your report improperly

My data was " potentially '' stolen as part of the recent Equifax security breach. 

I 'm also appalled that they try to trick you into signing up for " Identity Protection '', and waiving your legal rights to sue the ever-living XXXX out of them. 

If you use their website to check if your data was stolen, DO NOT SIGN UP FOR ANY SERVICES.
Request a 90 day fraud alert from any of the big three reporting companies, and do nothing else, unless you want to freeze your credit.
Complaint sub-issue: Other problem

So I received a text message saying that it was from my back and they gave a number to call ( XXXX ) XXXX it said that it was the security company from my bank ( PNC ). The robot said that my card was locked so it asked for my 16 digit card number, the expiration date, the CVV number, it asked for my pin and my social security number as well. I gave all that out because it seemed like it was my bank in the text message but I ended the call once it asked for my birth date. I called my bank but they were unavailable to answer so I would have to wait for a working day to speak with someone. The number that texted was XXXX. 
This happened on XX/XX/2021 at XXXX.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, XXXX  and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either XXXX, XXXX  or Equifax.
Complaint sub-issue: Information belongs to someone else

I have fraudulent accounts reporting on my credit report. I have contacted them letting them know I never have opened accounts with them but they are still reporting on my credit report. 

- XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/2018 XX/XX/2018
Complaint sub-issue: Account status 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. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my account. Sending them letters last time I have not received any response up to this date. On the other hand, inaccuracies about my account are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned account that is still reporting on my reports : XXXX XXXX-XXXX-Balance {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

I have already disputed the items below on XX/XX/XXXX but the bureau did not remove SEC.602 states i have the right to privacy XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

fraudulent accounts * discover fin svcs llc XX/XX/2014 filed police report
Complaint sub-issue: Other problem

I overpaid my Home depot credit card on XX/XX/XXXX by {$1000.00} and have called 8 times and 9 hours on the phone to receive the refund back. They've told me several times they will return the money, but still have not done so. I've proven thru XXXX XXXX XXXX it was sent directly from my account. They have acknowledged receipt of the payment and overpayment and keep telling me " the check is in the mail ''. I've given them my banking routing numbers ... and still have not returned the funds as of XX/XX/XXXX. It's my understanding they are required to return my $ $ no later then 7-10 days. It's been 21 days and I want my money back that's due to me.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have been using  Discover Scorecard to track my FICO score for a little while now and my score has been steadily improving. I was on the Discover site and saw where it says to see " my offer ''. It also stated that it would not affect my score. I put in my name and last four digits of my social, knowing that I already have an account with them. When I submitted that information, I was directed to " My offer '', the Discover It card. After completing the application in is entirety and EVEN choosing my card design, my application was DENIED and when I checked my credit score , my score dropped due to that particular inquiry being added. There website is misleading. Particularly the wording of " Your offer '', letting me choose my card design, and stating that it wo n't affect my credit. i am working so hard to repair my credit and this is just devastating. I called   XXXX   and explained what happened and asked that they remove the inquiry, the representative told me that I had to call Discover Bank directly and that they would be able to remove it. When I called  Discover , I spoke with a supervisor named  XXXX  who claimed they could not remove the inquiry even after I explained that it was misleading. I asked to speak to HIS supervisor because I was tired of being lie to. He told me that there was n 't one  available and that one would be there at   XXXX   XXXX   eastern standard time. That was at   XXXX   XXXX  . He asked me for my callback number. I gave him the number ( the same one on my application/account ) and here it is   XXXX   XXXX   and I have still not received a call yet!
Complaint sub-issue: Not given enough info to verify debt

Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.
Complaint sub-issue: Public record information inaccurate

CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX  XXXX  ) to verify a public record. My XXXX  XXXX  credit report is frozen yet they claim to be using them to verify this public record below. XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet Equifx keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XXXX XXXX 2017 an IVR money transfer of XXXX XXXX dollars. I called the Office of the inspector general asking what an IVR money transfer is. they did n't know. I tried filing with the company before calling the Inspector General for the federal Reserve, Direct express XXXX by Coamerica bank. Nine times when I called they transferred me to a dispute supervisor and after identifying me, he or she in some cases would transfer me again. But they would hangup and I received a dial tone. Happened again today, but the second time I called I wanted the level two person and finally was able to file my claim against the IVR money transfer. I spoke with a lawyer and she read their contract and it needs to be changed because they could not tell me where the money was transferred to. And in that case the money should be returned within ten days. Now it is as they have stated gon na be forty-five days.
Complaint sub-issue: Fee problem

We opened an additional checking account in XXXX of this year at US Bank. This is one of many accounts we have there. At the time of opening, I specifically asked the rep if there would be any fees on this account, and she stated no fees, due to the " package '' we are in. We have discovered they started charging us inappropriately since XXXX, and they only will reverse one month of fees, instead of at least 4 months of fees. This was not our fault, and we were lied to. 
I want all fees since XXXX reversed.
Complaint sub-issue: Debt is not yours

I have a debt that does not belong to me. I have applied nor utilized services with this account. The information appears to be inaccurate and I wish to address this matter immediately.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/22, I was contacted by a Citibank robocall telling me that my savings account was overdrawn. I preceded to go to a local Citibank Branch to inquire what had happened. Upon my arrival, XXXX XXXX, a Citibank employee preceded to assist me with my inquiry. Upon reviewing my savings account, it was discovered that all money had been taken from my account. It was discovered that someone had enrolled me in Citibank online bank system without my knowledge or consent. ( BE ADVISED THAT I HAVE NEVER ENROLLED IN CITIBANK ON_LINE BANKING SYSTEM ) The individual proceeded to write a series of checks addressed to me and deposit them into my account and then withdrew the money that was deposited. Being that I had a balance of over {$50000.00} dollars in my account, it was able to cover the checks that were deposited and Citibank issued the funds to the individual. 

Currently, Citibank Fraud Department is reviewing my case and will contact me in writing with the results of the case. 


This was a classic case of Unauthorized Online Wire Transfers. 
Currently, I have no money to pay my bills and I hope you can assist me in getting my money back from Citibank. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( XXXX XXXX and Equifax ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Complaint sub-issue: Company closed your account

On or about XX/XX/XXXX, Citi generated a letter to me that they were closing my card, ending XXXX, for no recent use ( in the past 12 months ). I do not recall the date the letter was received other than it was in XX/XX/XXXX. Today, XX/XX/XXXX, I spoke with a representative of Citi Cards who first told me they have the right to close the account without warning, and who also told me they could reopen the account. However, when we started to reopen the account, he was asking the same questions that a new account holder would go through. Thus, they wanted me to reapply, which would include a credit check. 

I have had this account with Citi since XXXX. In that time, I have built the credit line up to over {$30000.00}. This card is my oldest account and closing it will have a dramatic and negative impact on my personal credit reports with all 3 of the credit bureaus. 

In addition, I was provided with no notice whatsoever to allow me the opportunity to use the card by a certain deadline. XXXX Card just sent me a notice about my account with them that I would need to use the card by a date in XX/XX/XXXX, or the account would be closed. 

I believe the arbitrary closing of my Citi account was purposely done to require a new credit report and application. This should not be allowed. Citi regularly pulls and reviews my credit report, as evidenced when I review my credit reports on XXXX. In addition, I have a second Citi card due to my Costco membership. Thus, they review my report twice each month, once per card. 

At the very least, Citi should provide a deadline to use the card or risk closure. If Citi is going to fall back on the credit card agreement, I want and demand a copy of all the credit card agreements to see if this was ever contained in any of the agreements, and when it was changed. Even if it is in the agreement, this should not be allowed as it negatively impacts consumers credit, which is so hard to build and maintain. 

Citi should be forced to reopen my account, with the same credit line, and without a new application. Citi, being a major bank and knowing how closing a credit line will impact it's customer, should be fined and penalized for this unconscionable practice.
Complaint sub-issue: Information belongs to someone else

I have a fake inquiry on my report and I've contacted both the burea and company who did the inquiry and was told it was removed but it was somehow placed back on my report. Also there's items incorrectly reporting on my credit that aren't mines they were from a divorce they were removed from my report then somehow added back on, is there any way possible to look into this and see why these items were removed then somehow added back to my credit report.
Complaint sub-issue: Debt is not mine

Agency is trying to extort monies, harassing friends, statue of limitations has prevailed,
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}