Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

My wife and I filed bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. The account we are having problems with is a private student loan that I was a co-signer on for XXXX  XXXX XXXX account # XXXX. This account was discharged in the ch. XXXX bankruptcy making myself no longer legally responsible for this loan, and No account balance or delinquency should be shown on this account on my credit report. The credit agency Equifax absolutely REFUSES to report this information correctly. Equifax is still stating that this account is delinquent and that a current balance is owed. Even though on XX/XX/XXXX, Equifax, sent me a credit file Confirmation # XXXX stating that they hired a third party vendor named XXXX, and that company determined that US Bankruptcy Court-XXXX Discharged this XXXX  XXXX XXXX account in a Ch. XXXX bankruptcy on XX/XX/XXXX Case # XXXX. The credit file also states that the account with Equifax has been updated to show that it was included in the bankruptcy and that there is no amount past due, no payment amount due, and no balance. Yet with all this information that has been provided to Equifax over the last 8 YEARS, multiple times, this company still ABSOLUTELY REFUSES to legally report what was ordered by a court of law. I have filed a complaint with the CFPB before on this matter, I have made several calls to Equifax, and I have also requested help with a credit repair agency. Enough is Enough. I want this situation rectified immediately. This company has illegally harassed me long enough.
Complaint sub-issue: Threatened or suggested your credit would be damaged

on XX/XX/XXXX, I.C Systems INC reported to the credit bureaus XXXX and XXXX  that I have a debt from XXXX. Which is completely false and inaccurate. I sent a letter to them on XX/XX/XXXX and bureau asking their method of verification and they could not provide the facts. In writing I ask them to provide the vadilty of this debt. XXXX  wrote back on XX/XX/XXXX saying it's verified but failed to show proof of this debt to me. They LIED and did not attempt to verify this debt. I am requesting this debt collection be removed from my files.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged TWO payments for Homeowners Insurance from XXXX XXXX. 
The policy was from XXXX XX/XX/2020. They cancelled me XXXX. They took 2 payments and the last payment was for {$960.00}. I disputed the charge, the Merchant even told Citibank I only owed {$200.00} of the XXXX and the insurance company FAILED to refund my money and citibank gave them the money anyway and kept the charge on my card
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX - Still on my credit report and this account was settled by court and I send the documentation a few times. I want this account deleted from my credit report.
Complaint sub-issue: Debt is not yours

I received a telephone call in XXXX of XXXX from XXXX XXXX XXXX concerning a debt from XXXX that I had no knowledge of. They sent me a letter that I had a " XXXX XXXX XXXX visa '' account ending in XXXX, last statement dated XX/XX/XXXX showing a balance of {$9200.00}. I have no knowledge of this account and have in fact never even been in a XXXXXXXX XXXX store, I had to XXXX it to find out what it was. I will attach their letter and the letter I am sending the collections agency in response. The alleged debt also clearly exceeds the statute of limitations on debt collection based on the Federal Fair Debt Collection Practices Act 15 U.S.C. ss. 1962 et seq.
Complaint sub-issue: Company closed your account

I have a Citi Double Cash credit card for years and have accumulated a lot of cash back. On XX/XX/2018, my credit card was closed without any advanced notice. I noticed that my account was closed on XX/XX/XXXX when I tried to buy something using my credit card. I called Citi right away to confirm and also tried to redeem my cash back. I was told that I can't redeem my cash back, but an online representive told me that I can redeem my reward four days later ( XX/XX/XXXX ). 

I called Citi again on XX/XX/XXXX, and a representative AGREED to redeem my cash back and said a check will be mailed to me. However, TWO WEEKS later, I received a letter saying that my reward can not be redeem because the cash back was forfeited at the time of account closing. The only option to redeem my reward is to reopen my account. 

I called Citi again on XX/XX/XXXX to see why they refused to redeem my cash back. No clear explanation was given. An account manager said there is nothing she can do unless I reopen an account. However, I do not want to reopen an account because I have opened new credit cards during these two weeks I have waited. 

As a long time Citi customer, I felt I was poorly treated and everything is poorly communicated. With that said, I summarized my complaint below : 1. My account was closed WITHOUT any notice, even when I used the card EVERY DAY. 
2. Citi did not honor its promise. I was told that my reward could be redeemed on XX/XX/XXXX when I called, but Citi refused to do so later. 
3. Poor communication. I was informed TWO WEEKS later that my reward couldn't be redeemed unless I reopen my account. During these two weeks, I have opened new credit cards with other banks. I do not want to reopen an account because I do not want to open too many credit cards in such a short time frame.
Complaint sub-issue: Debt is not yours

I received notification from XXXX XXXX of a collection on my account. I reviewed it and determined this was for someone else. I called IC Systems and was told they could not help me and I had to get this resolved on my own. 5 minutes later I received a call from IC Systems and a different person was calling me to collect the debt which is not mine. The name they asked for is not me. I advised I had just called them a few minutes prior and was displeased that their company was not going to assist me in getting their error resolved. The woman I spoke to was uninterested and was not very polite nor helpful. 
XXXXNote : IC Systems appeared on my caller ID numerous times previously however, due to all of the spam and sales calls I receive I never answered their calls. IC Systems never left a message for me to signify who they were calling for or why they were trying to reach the individual they were looking for. The only similarity I have with the person they were looking for is the same first name.
Complaint sub-issue: Information belongs to someone else

XXXX has refused to remove a fraudulent account from my credit report despite me advising the company that after investigating the account they are reporting, I have found the account to have been opened by someone other than myself. XXXX 's attorney XXXX XXXX, advised that an identity theft report must be made in order for them to stop reporting the fraudulent information. I have completed an affidavit with the FTC and would like the fraudulent information to be blocked or removed from my report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Late Dates XXXX
Complaint sub-issue: Information belongs to someone else

Please provide the response of XXXX  for your investigation on XX/XX/XXXX and XXXX, 2019
Complaint sub-issue: Public record information inaccurate

I checked my credit report and it was a bankruptcy on it and i sent a letter and called XXXX, Equifax and XXXX and they all said it was verified through the courts. So i contacted the Bankruptcy Court and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.
Complaint sub-issue: Their investigation did not fix an error on your report

GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX XXXX JUST CLOSED OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A U.S. GOVERNMENT WEBSITE AND NOW XXXX IS DOING IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING ANYTING FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


DiscoverCard is falsifying documents to the Consumer Finance Protection Board, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States Attorneys office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These asholes at DiscoverCard has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. I demand an investigation and I demand for a response to these allegations. Im not gon na let this go punk boy up there in DiscoverCard nobody will anything about it but I have a voice too and Im going public on you and your creepy ambulance chasing company. You broke the law and justice will be served. Wait for it
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, using their online too I was listed as one of those whose data was compromised. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XX/XX/XXXXthrough XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Equifax Inc. did not inform those affected in a clear and timely manner, nor have they provided clarity or made effort to rectify their problem. They are placing the onus on those affected to right their wrong.
Complaint sub-issue: Debt is not yours

I disputed this item before when another collection bureau was trying to collect it from me, It was determined it was no longer my account since it was sold I filed a dispute with you and you removed it from all my reports, Now this information has been sold once again to Enhanced Recovery Company, on XX/XX/2020, showing up as a collection report on my credit file 's, I WILL NOT DEAL WITH THIS AFTER GOING THROUGH THE TORNADO 'S HERE IN TN AND NOW THE VIRUS. THEY ARE XXXX XXXX XXXX FISHING FOR MONEY BY SELLING THE ACCOUNT. IT IS NOW SHOWING AS A COLLECTION AS A GHOST ON ll 3 of my reports. I WANT THIS FIXED ONCE AND FOR ALL. PLEASE REMOVE IT FROM MY 3 CREDIT REPORTS
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX , INC. attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. Since early 2018, Ive been disputing the bureaus against their accusations of alleged debts. As I tackled my report, several items were " removed '' which is a violation of federal law thus proving their guilt. Those same items which were deleted, verified or removed were thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as Federally Protected Consumer, the Original Creditor, Natural person.
Complaint sub-issue: Received bad information about your loan

I contacted FedLoan services about cancelling my account and getting a refund since it was advertised and they said they could cancel the account but could not give me a refund. I contacted them on XX/XX/19 about this. This is a public service forgiveness program and I am not in public service. I can not get enough information as to why I can not and I was not given this information at the set up process. I was unaware I would be out 3 payments of {$180.00} to a total of {$550.00} that I paid. I need a refund and I have nowhere to turn to to get my money back. I just want to dispute the charges made to my bank and get my money back since I will be using my bosses service company to pay back my loans.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Reinserted previously deleted info

Item was supposed to be deleted. Have documents from XXXX XXXX, the creditor for the collections account on my credit report stating they requested Equifax to delete the item. Equifax did not delete. It was paid off back in XXXX and deleted from XXXX and XXXX. It only appears on my Equifax. They refuse to help me over the phone and made me wait 30 days even though XXXX XXXX sent the deletion request right when I called them. Equifax is ruining my life by keeping this on my credit report. I actually had a woman laugh at me on the phone on XXXX of the various phone calls I made checking the status of my dispute when I told her I was on the verge of being homeless because they wo n't delete this account. It was originally deleted in XXXX off all XXXX credit reports and then Equifax started reporting it again. I 'm tired of dealing with this. I did my part, so did XXXX XXXX. Now it 's time for Equifax to do theirs.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE 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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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: Account status incorrect

Money lion is reporting a late on XX/XX/20, XX/XX/20. Due to the unforeseen events surrounding the pandemic that is Covid 19 I have been severely financially impacted. I live in California and it has been a mess. I've really been struggling to stay afloat while my employer continues to suffer because of this pandemic and therefore affecting my work hours. I have done my best to stay current and not fall behind. However, this was inevitable the entire state of California shut down. I ask that you please remove the lates from my credit file. Under the federal mandate and CARE act creditors aren't allowed to file negative notations on credit and I can see why. The hardship of going through a pandemic alone is immense, and creditors should not be adding onto the stress. I ask you remove these lates from my credit file.
Complaint sub-issue: Account information incorrect

XXXX XXXX repeatedly sent collection letters with their logo and each phone call was prefaced with an attempt to collect a debt and failed to disclose I could have reci no ded the contract of a lemon vehicle.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some sober living houses to help the XXXX  and reduce the overcrowding in jail by providing training in other opportunities for people to be able to maintain permanent housing I need to stop in my goals and plans please address this issue immediately
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2020 at XXXX XXXX I went to a XXXX XXXX ATM in XXXX in XXXX Texas with my US Bank ReliaCard to withdraw {$80.00} The first transaction was timed out so it was declined The second transaction said non sufficient funds. When the ATM timed out the money was released out of my account but it did not come out to ATM machine I never got it It timed out and it declined. I called XXXX XXXX they told me to contact my financial institution I saw I called US Bank ReliaCard I was told that they were doing investigation that could take from 10 to 45 days and after 10 days if they haven't investigated it I will receive my money back neither to place. I was told per their investigation that there was no problems with my transaction and which it was a problem on my behalf because I never received my {$80.00} which ruined me and my son 's vacation because we couldn't buy food.
Complaint sub-issue: Account status incorrect

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, Equifax and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX  allow false information to be added to my profile without my being informed?
Complaint sub-issue: Debt is not yours

Sent Equifax multiple letter in reffrence to this account and it shows on my credit report a monthly payment of XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score XXXX points because it states that I had a high balance, and missed a payment.