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

On XXXX XXXX, 2022, I wrote a letter disputing the inaccurate account posted on my credit file. I requested from the Creditor to show proof of contract that legally obligate me to the account that report on XXXX. It has been 30-day pass and I have yet to receive a response from Macy/DSNB. Also, company failed to report the account to XXXX as disputed. Down below you will see the letter that I send out to the company which they failed to respond to in a timely fashion
Complaint sub-issue: Was not notified of investigation status or results

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : 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

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery Co had contacted me multiple times in regards to a debt I have no clue about nor had any involvement in. They consistently called in times inconvenient for me. I had sent them a debt validation request and everything requested was ignored instead they sent me a bill and what looks like what would be a contract to agree to pay them. I will attach the first debt validation letter sent by me with proof of it being sent via certified mail. I will also attach their invalid response to my request listed with violations made by them and an affidavit of truth sent by me on XX/XX/21.
Complaint sub-issue: Information belongs to someone else

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX    XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX    XXXX {$460.00} XXXX XXXX XXXX XXXX {$450.00}
Complaint sub-issue: Problem with statement of dispute

I have disputed several times that Equifax has business inquires listed on my personal credit file. I use my XXXX number for all business inquires why are they on my personal credit file. There is also XXXX small medical bills that should n't even be listed. I need help
Complaint sub-issue: No notice of investigation status/result

There are 4 credit accounts on my credit report that are over 10 years old. I have asked the 3 consumer credit reporting agencies to remove them and to date I have not received a response or any results.
Complaint sub-issue: Trouble with how payments are being handled

I have been with 3 different nonprofit lenders in the last 10 years. XXXX was the last one before the current lender named Mohela which took over in the middle of 2022. StudentAid.gov said that I needed to consolidate my loans in order to be eligible for the Biden exceptions during pandemic. I consolidated in XX/XX/2022. I had also applied for PSLF just as my XXXX to Mohela transition was happening, and the XXXX exceptions were being assessed. This may have confused the issue for Mohela as they are not counting Pandemic timeframe as payments toward PSLF. I also audited the listing of all of the possible payments that could have been counted with the Biden exceptions in the attachments. It appears there are at least XXXX payments that count towards the XXXX. Mohela is counting XXXX. The current wait time to talk with Mohela on the phone is XXXX minutes but I have stayed on hold for upwards on XXXX minutes before being disconnected on XXXX occasions from XXXX. I am logging this complaint so that there is evidence that the steps requested by XXXX, StudentAid.gov, and Mohela were followed.
Complaint sub-issue: Problem with fees

Hello, My name is XXXX XXXX, I have been a customer of US Bank many years with never any late fees. 
Recently [ XXXX the XXXX I mailed my XXXX payment that was due on the XXXX. 
US bank claims the payment was late and is charging interest and late fee. 
The payment was made electronically by my bank, so this is a record they got it on time. 
Please help me resolve this I feel I am being treated unfair. 
Warmest regards XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I have a previously removed collection on my credit report being posted by a different collector for the same inaccurate debt and I would like it removed from the credit bureaus immediately. I have tried disputing the item and it still has not been removed.
Complaint sub-issue: Funds not received from closed account

citibank closed my checking giving no reason called repeatedly said i had to wait for a letter there is almost {$18000.00} in the account action started XX/XX/2020 was told letter wont be issued till XXXX XXXX and then will get letter and take it from there no fraud no problems
Complaint sub-issue: Can't temporarily delay making payments

Nelnet wants payments from stupid loans although my entire career and life path changed due ti Covid. Im trying to get my business at a better stage to pay it off but it seems like thats not always the case. Jw
Complaint sub-issue: Public record

I file a dispute with Equifax regarding some public record judgements that did not belong to me and they stated the information was verified by the courts and public record information. After speaking with the courts about the verification they stated that they do not verify information and that sometime the bureaus may send someone to verify but the only information they can verify is the name because they do not record addresses or personal information in most cases. 
I then spoke with XXXX XXXX at Equifax about how they verify information, he then stated they send it through the electronic system, my question to him was if its done electronic how can you verify it because personal information is not public record and that all the information such as name, address, date of birth and social security has to match up, he continue to say its public record, there was no real answer but they continue to use the same information that was previous disputed.
Complaint sub-issue: Reporting company used your report improperly

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies. 
The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue
Complaint sub-issue: Information belongs to someone else

I contacted Grant & Weber collection agency to inquiry about this XXXX XXXX XXXX XXXX item on my report. They said it was a bill sent from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX XXXX department and inquired about this Acct. After a couple of day 's of investigation, they reported back to me, that there was no proof of identity that it was me at the hospital to have a sist removed from my neck. ( See attached Document from XXXX XXXXXXXX XXXX ) I have never had any procedure to my neck. After II received the letter from XXXX XXXX XXXX, I sent it to all three credit bureaus and XXXX  and XXXX XXXX removed it immediately, but XXXX left it on. I have disputed this three time with XXXX  since, and XXXX continues to let Grant & Weber collections dictate the outcome despite the letter from XXXX XXXX XXXX. Can you please help me to remove this item off XXXX Credit Report? 


Thank you for your consideration,
Complaint sub-issue: Confusing or misleading advertising about the credit card

I received a XXXX XXXX card from U.S. Bank which I did not order or request from U.S.Bank. I do not, nor ever had any type of account with U.S. Bank and do not do any type of business with any U.S. Bank branch.. They have requested that I activate the card via their automated phone system at ( XXXX ). Upon contacting that number and going through their option list I was never given the option to talk to a person to inform them that I ( XXXX XXXX XXXX XXXX did NOT order or request any type of card from U.S. Bank. 
I am and will hold onto the card until such time as this complaint is resolved and upon that resolution will shred and destroy the card.
Complaint sub-issue: Their investigation did not fix an error on your report

There are hard inquires on my credit report that I did not authorize, I filed a dispute to have them removed or show proof of authorization and they did not remove or show proof that I authorize the inquiry.
Complaint sub-issue: Account information incorrect

Conns is illegally reaging an account on my XXXX  credit report and my XXXX  credit report.
Complaint sub-issue: Information belongs to someone else

XXXX  CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXX for {$5400.00} XXXX XXXX XXXX for {$15000.00} and XXXX XXXX XXXXXXXX for {$0.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

Hello, On XX/XX/2020 I made a purchase from the company XXXX XXXX XXXX in the amount of {$1100.00} for a swimming pool and a swimming pool liner. On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX XXXX saying my order for the pool was cancelled and I would be receiving a refund. It was not in stock due to COVID-19. I did receive one piece of my order so the refund would be {$1000.00} for the swimming pool. 

Some time passed and XXXX XXXX XXXX wasn't able to tell me when I would receive the refund. They stated their refund department was backed up and they didn't know when they would get to it. Due to the uncertainty, I filed a dispute with my bank to assist in getting the refund. I did this on XX/XX/2020. 

On XX/XX/XXXX and XX/XX/XXXX, I faxed a questionnaire to PNC Bank as they had requested. I included the questionnaire, a receipt of purchase, and the email from XXXX XXXX saying my order was cancelled. I did not hear from PNC Bank until the beginning of XXXX when I received a letter saying they denied the dispute. I called to ask why the dispute was denied, and they stated that they didn't receive the paperwork. I have the fax receipts showing they were delivered. 

On XX/XX/2020 I called PNC Bank to dispute the transaction again as they have taken the money back from my account. Since then, I have not been able to get any information concerning my dispute. When I call to check on it the only response I get is it is in process. At this point I have not received any paperwork or followup from PNC Bank.
Complaint sub-issue: Received bad information about my loan

I filed a complaint against this company on XXXX/XXXX/2016 regarding a forbearance request. I received a letter stating I would hear from them again in 60 days. I continued to make partial payments, all that I could afford, on my account and was told by customer service this would be enough to keep them from reporting me as delinquent on my credit. I called them today and they denied the existence of my request, and had already reported my credit as delinquent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is about CITI BANK XXXX BEST BUY and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. 2021 Because I did not apply for credit with BANK NA BEST BUY.. 
Please launch an investigation into CITI BANK XXXX BEST BUY inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI BANK XXXX BEST BUY is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

ACCOUNT 1 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information on an account thats almost 8 years old. 
ACCOUNT 2 : XXXX XXXX, AMOUNT : {$530.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information to include the original creditor ( XXXX XXXX ). Ive never seen this noted before. 
ACCOUNT 3 : XXXX XXXX, AMOUNT : {$250.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. 
ACCOUNT 4 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. Yet, they claimed to have verified the account.
Complaint sub-issue: Information belongs to someone else

ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I recently went on a cruise and use my credit card ( Citi Bank ) to make purchases. The cruise was from XX/XX/XXXX to XX/XX/XXXX. After the cruise was over, there are pending charges and and actual charge. I waited the appropriate time based on the cruise line recommendation that the pending charges would fall off my credit card. On XX/XX/XXXX, I called the cruise line to understand when the pending charges would fall off. They indicated since they don't keep credit card information, it would be up to the credit card company to remove the pending charges. The cruise line and I called the credit card company to have a conference call. The credit card company was unwilling to remove the pending charges and stated it was up to the cruise line. The cruise line stated it was up to the credit card company. They both was standing their ground and was stating how much experience they had in resolving these issues without recognizing, the consumer ( me ) was on the line being affected by the issue. Since I didn't know which party was telling the truth, I cut the conversation and stated I would just write up a complaint. As of today, XX/XX/XXXX, the pending charges are still showing on my account. I don't know what the next steps are since, I needed the card to use for a business trip which I had to adjust other cards to pay for hotel charges. I think both companies were unprofessional and didn't think about the consumer who is being affected by the pending charges on the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an inquiry by the name of XXXX. I dont ever recall applying for this account without any consent. 

This does not belong to me. I have no relationship or account with this creditor
Complaint sub-issue: Information belongs to someone else

To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.
Complaint sub-issue: Threatened to sue on too old debt

XXXX XXXX, XXXX and her law firm, Cox and Bleier are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XXXX and was bought/transferred by several different agencies and attorneys over the years. Bleier purchased/acquired the debt recently from XXXX XXXX XXXX XXXX, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire XXXX XXXX, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. Bleier recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

VW credit did run my credit four times. According to the document I signed. It was supposed to be one credit run in XXXX however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage. 
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation. 
This is their address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX VOLKSWAGEN CREDIT XXXX XXXX XXXX XXXX, OR XXXX
Complaint sub-issue: Account information incorrect

This company still reports debt that was already paid and my credit report on all 3 reports keeps reporting it. I have documentation proof that I dont owe it, I attached the documents below
Complaint sub-issue: Information belongs to someone else

I've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/ 2018.
Complaint sub-issue: Information belongs to someone else

I checked my credit report, and it says I opened a credit card in XX/XX/2019 which I did not do. My credit score wasnt even strong enough to be approved for any type of credit, and the account is already in collections not even one year after it says it was open. I did not apply for this card, and I do not understand why its on my account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I spoke with the fraud department for XXXX, Equifax and XXXX. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I suffer from identity theft three times in the past 2 years XX/XX/XXXX credit bureau Equifax breach XXXX of XXXX through my employer XXXX XXXX hacking on my computer through banking XXXX identity theft throughout the years of XXXX and XXXX States Arizona California all currently under investigation with police reports Attention ( This system will not allow me to upload my burden of proof )