Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is not removing an account from my credit report that is not supposed to be there. 
XXXX XXXX XXXX XXXX please see attached letter from XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Complaint sub-issue: Account status incorrect

Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

There is incomplete file on Equifax # XXXX ; There is a account on XXXX I'm not aware of # XXXX I did not have the opportunity to dispute this information and I have perfect credit. I would have never allowed such actions to take place.
Complaint sub-issue: Personal information incorrect

i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX  and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history
Complaint sub-issue: Reporting company used your report improperly

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN XXXX OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ).
Complaint sub-issue: Frequent or repeated calls

About a year ago I acquired a debt with XXXX credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with True accord and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the XXXX website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month
Complaint sub-issue: Debt is not mine

ERC ( Enhanced Recovery Company ) has sent me 2 notices with 2 different reference numbers claiming I owe a debt from over 3 years ago to XXXX. I sent them a letter disputing the validity of the debt XXXX XXXX, 2016 but received another notice XXXX XXXX. They did not send any verification of this debt with the new notice and are threatening to report me to national credit bureaus. This is a fraudulent claim. I do not have access to the first notice because I just moved, but I have attached the 2nd one.
Complaint sub-issue: Information is incorrect

So I got a report from Lexis Nexis and has a listing of 82 pages of incorrect information on me including dob occurrences and just wrong information on me. It makes me mad that they use this information against me first off, second all the information is incorrect. I need some help and I tried calling but they dont take it serious. Please help. Thanks. 

I also have pages and pages of incorrect information XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

Equifax forces me to call multiple times to get my report
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX
Complaint sub-issue: Charged too much interest

I have a credit card, which I am paying every month if it is missing. This company sent me a letter saying that they can not renew my card because they closed my account and they told me that they will continue to charge me interest. I told him that this can not be done, because if they were the ones who canceled my account, they can not continue charging me the interest that the balance owes in the same amount, so that I can finish paying that account.
Complaint sub-issue: Information belongs to someone else

To whom it may concern I would like to make this brief. I have contacted Equifax, XXXX, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
Complaint sub-issue: Account status

I initially discovered a collection/debt reported on my credit report. I contacted the creditor/collection agency listed on the debt line at XXXX separate addresses XXXX 2016 via certified mail and also contacted them via telephone to validate that I am the owner of this debt. They advised they are unable to provide any validation for this debt as it has past the statutes of limitation for their ability to continue collection activity. I advised the collection agency this item has not been validated as my debt and should be removed, to date I have not received any debt validation. I then contacted the XXXX credit agencies : XXXX XXXX, Equifax , and XXXX and advised of my unsuccessful pursuit of debt validation from the creditor and the incorrect item should be removed. I also requested that any debt validation provided by the collection agency be provided to me to show that I am the owner of this debt and its debt dates are being reported correctly. Both XXXX XXXX and XXXX investigated the debt and then deleted the item as the collection agency was unable to validate the debt. However Equifax advised the debt was validated but did not provide any validation or documentation. I believe this investigation was never performed by Equifax nor debt validation provided to Equifax by the collection agency. I can provide all certified letters to all credit agencies and collection agency and proof of removal from XXXX XXXX and XXXX upon request.
Complaint sub-issue: Account status incorrect

i have a listing for the removals to the three credit bureaus.
Complaint sub-issue: Account information incorrect

XXXX  XXXX Balance Owed : {$10000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I gave my XXXX XXXX away after having major car issues. I gave it away and the person who took it were to pay off the remaining balance and I would be released of any financial obligations. I signed the pink slip and all DMV paperwork the finance company was notified yet XXXX from XXXX continue to threaten stalk and harass me in all and everyway including through family members and at work
Complaint sub-issue: Trouble with how payments are handled

I was told to break my complaint down into several parts since it involved multiple companies this section will feature Nelnet. 

I think it was XXXX I started getting XXXX from Nelnet. 

Nelnet was giving me stuff about my Federal Student Loans at the same time as Performant Recovery. I went to US Senator Warren and said what the XXXX? 

The account number Nelnet gave me does not match the account number XXXX gave me, the amount XXXX gave me does not match the amount Nelnet gave me. XXXX to XXXX I have about XXXX social security checks garnished none of which was reported to anybody. 

My phone used to ring off the fin hook from one machine calling my house to another one calling my house. 

After talking to the US Senator Warrem my check stop getting garnished. 

XXXX might have lost his job in XXXX of XXXX shortly after that however Nelnet said we are going to garnish your check this that and the other thing. 

Nelnet refused to give me a wage garnishment hearing. They said so in a letter dated XX/XX/XXXX Nelnet did not tell me about all of my legal options such as income based repayment, heavens to beltatross imagine if they did Im {$20000.00} under the discretionary income line for my state I would be ordered to pay monthly payments of XXXX dollars but the problem comes in companies like Nelnet dont make any money that way. 

I was going through XXXX in XXXX, I did not know if I could make it to US Senator Warren office, my doctors told me to avoid large groups of people. I didnt know how I could avoid that in XXXX, so I went to US Representative Tsongus office in XXXX, In XXXX of XXXX Nelnet sent me a letter they said I had 60 days from the date on that letter to comply. I set up a doctors appointment for XX/XX/XXXX which is about 1 week before the 60 day marker. 

In XX/XX/XXXX the US Dept of Edcuation garnished my social security check, what the XXXX they were not supposed to garnish my check until XXXX according to their own letters. 

They also garnished my check for XX/XX/XXXX, but did not for XXXX of XXXX. 

side note : I have more material to upload than your servers can handle on this matter my total amount of material easily exceeds 20 MB limit you have.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX / XXXX /  XXXX  , I called  XXXX   XXXX  to install internet at a second house. I have  XXXX   XXXX  at my current house for 2 years with perfect payment history. I explained to the  XXXX  rep I did not want an inquiry on my credit report for this second account, referencing my perfect history as a current customer. The rep stated it was not necessary to make a credit inquiry and  XXXX  would NOT make an inquiry on my credit if I could correctly answer  XXXX  questions to verify my identity. I answered the  XXXX  questions correctly. During the recorded call I asked the  XXXX  rep repeatedly about inquiring my credit report and was advised repeatedly no inquiry would be made by  XXXX  on my credit report. Subsequently, I received a notification from  XXXX   XXXX  made an inquiry on my credit. I called  XXXX  and made a complaint to a  XXXX   XXXX ,  XXXX   XXXX . She stated she was looking into the matter and the call was recorded and she would review it. A month has gone by and  XXXX  has failed to resolve the situation. I am drafting this complaint on  XXXX   XXXX , a federally regulated communications provider for further action.
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/2022 at XXXX XXXX XXXX XXXX, i called the number provided to speak with XXXX XXXX, at extension XXXX, about a credit deletion we were discussing previously. I had my mother on the phone as well because she had planned to help me with a payment, on this call we learned I had been given misinformation by XXXX the day before so now I needed to discuss with my mother privately because we didnt have the funds for what they were asking. XXXX then harassed us for several minutes about a settlement instead before we disconnected with a plan to speak again at XXXX XXXX XXXX. I called XXXX twice at this agreed time and was met with no answer, but I was told if I missed incoming calls from them, I would have further action taken against me. I left a voicemail with the thought that maybe he was tied up in something for a minute ; I received no calls for another hour and 15 minutes so I called again at XXXX XXXX XXXX. XXXX did answer this call and I informed him that I would no longer be pursuing any settlement or deletion, I no longer give my permission to administer the payment set up, and the only thing I would like to discuss was getting a validation letter of this debt, in writing sent to my current address. XXXX then began to berate me as to why I changed my mind, what my mother and I talked about, insisting I shouldnt do this, trying to give me more settlement offers, and going as far as waving down another representative to help berate me ; all while I was repeatedly asking him to stop, told I didnt want to discuss further details of my private conversations or why I was making any decision and repeated what I asked for. The other representative was XXXX XXXX, once he came on the line he began the same speech that XXXX had and then insisted I was letting my mother make my decisions for me, that I was unaware of the decisions I was making and unaware of what the correct decisions were, that I was ruining my credit, that I needed financial counseling, insisting I needed to listen to him and his advice, as well as talking over me constantly, telling me they had to request a letter of validation and wait for that to be approved so I should just mail them a request for specific information ( which I can do, but legally they have to provide me with a validation letter of the debt ), also called me childish and unprofessional for not listening to him and asking him to stop, and then hung up on me. I also have a recording of this conversation due to the first interaction this morning and I see no issue since they informed me they were recording as well.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  - XX/XX/2016 - This Credit File does not belong to me
Complaint sub-issue: Information belongs to someone else

I viewed my credit report and I have no knowledge of the debt that is being reported. I need these accounts removed today. I have attached a cover letter, id, social, and ftc report. Please refer to the attachments.
Complaint sub-issue: Problem with rewards from credit card

I applied for a Citi XXXX Card in XX/XX/2019 ( don't remember exact date ) with a promotional offer to spend {$4000.00} in first 90 days and receive XXXX reward points. Initial card was never received ( sent via USPS ). I called to report that it wasn't received after about 3 weeks. A new card was issued with assurances that the promotional 90 day period didn't start until the card is activated. I asked at the time for them to send me the card via expedited service to guarantee delivery, they would not. 

I never received the 2nd card. After about 3 weeks I called back and was told to wait a bit longer. I called back within a week or 2 and told them to just cancel the card as there was obviously some issue with their delivery capabilities and I was uncomfortable with a credit card being lost in the mail again. The rep on the phone would not let me cancel my card, elevated my issue to someone more senior, who essentially convinced me to not cancel ; told me he would expedite the card to me and promised that the promotional period for rewards wouldn't start until activation. 

The first recorded transaction on the card was XX/XX/XXXX - I am certain I used the card within a day or 2 of receiving. At this point ( XX/XX/2019 ) I have spent and repaid well over {$4000.00} in the first 90 days ( I never carry a revolving balance on my cards ) and have been told by Citi that my promotional period ended XX/XX/XXXX ( driven presumably by my initial application/approval date ) and that I did not qualify for the bonus. 

I feel like Citi lacks cohesion in their customer service and this feels relatively predatory to me. They wouldn't let me cancel in hopes that I would rack up a large bill and still failed/refused to honor their promotion after the many assurances I received. What's more, they never offer case numbers or dispute numbers that you can reference for future calls, so it's impossible to tell if there's any record of the customer service events that have occurred. 

I have also spent a very long time on the phone with various agents throughout the course of the issues with my cards and that is very frustrating. CITI does not have an email address through which I can produce a written record of the complaint, and there are no inbound numbers to call other than 1st line customer service.