Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender 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 Original Balance {$750.00} {$750.00} {$750.00} Current Balance {$750.00} {$750.00} {$750.00} Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Dispute Resolved - Consumer Disagrees
Complaint sub-issue: Problem with customer service

I was late on a Macy 's credit card bill 35 days. The amount was less than {$100.00}. I did not know I was late because I did not receive a phone call, email or mailed statement alerting me. I rarely shop there but have had my account for over 20 years. I have never been late. I received a notification from XXXX   that Macy 's had reported my account as delinquent. I immediately paid the bill in full and contacted Macy 's collection department requesting that they remove the filing based on my relationship with them and my impeccable payment history. They refused. In my opinion they are violating the Fair Credit Reporting Act.
Complaint sub-issue: Investigation took more than 30 days

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Complaint sub-issue: Information belongs to someone else

Equifax has continued to refuse to block fraudulent accounts from effecting my credit score, while the bank has complied, equifax continues to fail to correct and is currently damaging my credit. At this point, I have to consider that Equifax may be doing this intentionaly due to repetition of this event.
Complaint sub-issue: Problem with customer service

I submitted my XXXX payment for PSLF forgiveness in XXXX of 2022. Mohela acknowledged all my payments and certified my employers. I have called several times. Was told by XXXX XXXX " Everything we send to XXXX XXXX XXXXXXXX. '' XXXX 's # is XXXX XXXX XXXX XXXX. XXXX 6 months does not seem reasonable. XXXX seemed to process these much more efficiently. 

Thank you XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, and I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX on report twice Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I closed a credit card account in XX/XX/XXXX. Equifax is still listing it on my credit report, even though it is 13 years past the 10-year reporting period. Equifax claims it is the last date of their update/report ( which was XX/XX/XXXX based on my dispute ). It appears from Equifax 's point of view that every time I do a dispute, it will restart the 10-year statute of limitations.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX of XXXX I noticed two fraudulent charges on my Citibank Visa card by a company called XXXX XXXX. The charges were made on XX/XX/XXXX for the amount of {$2400.00} and XX/XX/XXXX for {$2400.00}. 

The following month ( XXXX ) there were two more charges : one on XX/XX/XXXX for {$1400.00} and another on XX/XX/XXXX for {$1400.00}. 

When I initially disputed these charges in XXXX I was told there would be an investigation of the disputed charges, and soon after I received an email that the dispute was corrected and the charges were rectified. 

In XXXX these charges seemed to be resolved and I was issued a credit for them by Citibank. 

In XXXX there were two more charges in the amounts of {$2400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX, these charges were categorized as " Reverse " from XXXX XXXX. I immediately contacted Citibank and they very rudely explained that I had been credited twice once by XXXX and again by Citibank Visa and that is why I was being charged again. I have no dealings with XXXX and never received credit from them, maybe Citibank was credited but I was not. This explanation was explained rudely and condescendingly by a woman named XXXX and a man named XXXX in Customer Service. After what seemed like hours I was directed to the fraud department where I requested an audit of my account. I was told someone would be contacting me soon to let me know my current balance. As of today, I have not been contacted by anyone in the fraud office.When I went online to view my current statement there was another " reverse '' charge to my account. 

I was not credited by XXXX and these charges should be permanently removed. I now have a substantial bill and have been rudely dismissed by XXXX, XXXX, XXXX and other Citibank representatives. My feeling is that if a merchant has billed someone in error, the fraudulent charges in dispute should not be my concern, the resolution should be Citibank 's. My concern is I don't want these charges on my card and I don't want my credit disrupted by incompetence and fraud. 

Please tell me how I can correct this situation and not pay any interest or fees relating to this dispute.
Complaint sub-issue: Banking errors

mother deceased and someone received acess to her time deposit certificate that has no business and does not even know my mother i the executor and it was transfer from a bank in another county and then into his account and XXXX XXXX XXXX XXXX and then transfer to us bank on mom last statments there was around {$45000.00} and at the time of transfer it was done with a XXXX XXXX forged bankruptcy by XXXX XXXX XXXX who is the investgator for this area and it a been proven that he had us bank on a penal code 1155.200 2 % of my deposit in my own account with the wording of unavailabl ; e funds and i never saw them back into my account when i ask no one told me about this next incumbent b.s. the rules that i received say its for homeless people i thought you would be interested in these rules i will forwad them to you and fraudlant charges that the fraud dept credited and us bankl did not credit account they closed this account i have been very patient and i did not want to do this but i have no choice..

p.s social secuiry given to a unknown person as a domestic partnerwhich is social secuirty and the va also gave gi money that was my fathers and he is deceased.

respectfully XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX Federal Tax Lien IRS # XXXX
Complaint sub-issue: Debt was result of identity theft

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX  ACCNT # XXXX Bal : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

OVERVIEW VISA Prepaid Gift Cards do not live up to their package advertising, " A VISA Card is always enjoyed and never returned. '' Also their Customer ( NON ) Service is designed to prevent customer financial recovery due to fraud that their systems do not prevent. 

XXXX Two {$100.00} XXXX XXXX XXXX were purchased at XXXX and activated. Total Cost {$210.00}. 

XXXX Daughter in Law received cards and attempted to use. Purchases had already been made and funds were gone. 

XXXX Cards were returned to me and I Contact XXXX XXXX XXXX 
Waited on hold for more than 20 minutes. Was promised that cards would be reloaded over the next 10 days. 

XXXX A {$10.00} credit had been put back on each of the cards not the full {$100.00}. 
I again contacted XXXX, on hold over 20 minutes. Was told that I would have to have my Daughter in Law authorize my efforts to recover the funds and wait on hold again. Asked to speak with a supervisor was put on hold for another 20 minutes, was cut off by VISA, and was transferred to a customer survey ( was not good ). 

XXXX This complaint to Consumer Financial Protection Bureau ( CFPB ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Flagship Credit AcceptanceXXXX. XXXX XXXX XXXX XXXX, PA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with  documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Was not notified of investigation status or results

My information was also impacted by the equitax data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Complaint sub-issue: Reporting company used your report improperly

Privacy and confidentiality under 15 U.S.C. 1681  XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) ..... 


15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which ante date the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

A notice of dispute and XXXX XXXX XXXX was sent to XXXXXXXX XXXX XXXX XXXXXX/XX/2022, and signed for at their office on XX/XX/2022. A copy of that letter is attached to this complaint. XXXXXXXX XXXX did not reply and only put a dispute notice with XXXX of the credit reporting agencies. There is conflicting information being reported amongst all XXXX major agencies which is a violation. XXXXXXXX XXXX continues to report this false information, and the credit reporting agencies have made no effort to confirm that any of this information being reported is correct.
Complaint sub-issue: Didn't receive notice of right to dispute

All I've ever gotten from this company is a collection letter in XXXX and phone calls! I have demanded they stop calling me, and they haven't! I've written them many times demanding validation which I haven't received, and I am Furious! They violated so many federal laws with this account it hurts! PLEASE GET ME THE JUSTICE I DESERVE AND REMOVE THIS ACCOUNT!
Complaint sub-issue: Investigation took more than 30 days

XXXX Equifax XXXX XXXX have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX -- - This collections account has been paid in full and is resolved with the original account holder, this account should not be on shown on my credit report due to inaccurate information. 

Equifax and XXXX continue to not report this collections account inaccurately and showing a delinquent account with {$190.00} owed -- This is false and inaccurate information. 

XXXX has been transparent and is reflecting the correct information. 

Please feel free to contact the original account holder for verification of no balance being owed. Attached is e-mail communication that will verify this.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to all 3 bureaus and they are ignoring my consumer disputes. It's stressing me out and I've been sending letters and still no response.
Complaint sub-issue: Their investigation did not fix an error on your report

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several attempts via certified mail and notarized documentation requesting the Equifax, XXXX, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
Complaint sub-issue: Debt is not yours

Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, AFNI INC. and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be AFNI INC. is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as AFNI INC. allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.
Complaint sub-issue: Problem accessing account

I've attempted to connect my PNC bank account to XXXX  and was told I was no longer able to. I also attempted to connect my account to my XXXX XXXX  account to transfer funds and I was not able to connect it either. This has been a reoccurring trend with PNC.
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  XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX   XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM DEMANDING YOUR ARBITRITION DETAILS
Complaint sub-issue: Didn't receive notice of right to dispute

In Accordance with the Fair Credit Reporting Act. 
The XXXX Account of 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 : Also states that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY XXXX XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I have been making payments on this Auto Loan through the XXXX XXXX XXXX XXXX XXXX for several years. For a used XXXX XXXX XXXX. The payments are {$550.00} per month which have recently been a struggle since the XXXX  of my son XX/XX/XXXX and also a loss of employment on my end. My payment history confirms I still make payments monthly even with my hardship. And I have attempted to make arrangements with the company. The most I have received was 1 extension offered after several attempts to make arrangements for payment. My Balance has not been reduced since the finance was approved. I am told that I can not apply for further extensions based off my payments made. I can not change the due date. I have a ridiculous interest rate and late fee logic that ensures no payment will touch principal. My due date assigned is XX/XX/XXXX of month so it is impossible to catch up on billing before another bill generates and the company uses this to take advantage of sending threatening cure and repo letters which from the way they are dated coincide with dates I make payments. Company has also blocked me from making electronic payments via web or phone and advised I can only mail payments in a effort to use my hardship against me in order to cure my account
Complaint sub-issue: Account terms

To many of the same inquiry in less than XXXX days please removed
Complaint sub-issue: Problem with statement of dispute

According to Equifax they confirmed that I have the debts from a XXXX XXXX in XXXX, Texas and that is not true at all. I do not know where and what it is. I am XXXX and have been treated by either VA hospital in XXXX or VA clinic in XXXX. Who ever made claim is incorrect. 
The time frame that the charges at XXXX were done I was NOT in area!