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

Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to Equifax and XXXX. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I ordered a discover card on XX/XX/XXXX, it never arrived. I became aware that the card had been nearly maxed out. I contacted Discover and was advised that I needn't worry, they would cancel the card and the charges, issue a new card, and that I " definitely won't have to pay for those charges. '' 4 months later, the charge is back on my account, the " investigation '' determined that since the charges were within a certain radius of my home ( a radius in which over 9 million people live ), and since the card was activated, the charges are my responsibility. I have repeatedly attempted to get the investigation team to tell me exactly what information they want me to provide them in order to prove I had nothing to do with this, and I have followed their suggestions to the best of my ability, but they refuse to even reopen the dispute at this point. I have filed a police report, a report with XXXX, since it was stolen from the mail, I filed an incident report with the XXXX, I obtained and provided copies of my phone records to show that I didn't activate the card. I have sent them copies of my XXXXXXXX XXXX timeline showing I was not in the area of the retailers where the charges were made on the days in question, I have called them multiple times to attempt to resolve the issue and sent them a great deal of corroborating documentation. They refuse to reconsider their erroneous finding.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

UNAUTHORIZED INQUIRY
Complaint sub-issue: Didn't receive enough information to verify debt

I have been going back and forth with XXXX  about this one unknown account on my credit report. By unknown I mean there is no creditor name, address, or phone number. I've written several disputes about this to no avail. I had no way to reach the creditor to have the debt validated and I find that extremely unacceptable. I really hope you can do something.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX, a charge of {$34000.00} of a purchase I never made appeared on my statement ( enclosed ). When I noticed it, I disputed the charge to Citibank. On XX/XX/XXXX, I received a letter ( enclosed ) from Citibank indicating that my dispute was not accepted. According to them, The purchase was made IN Store with the EMV chip. 
I called the dispute center and explained to them that I never made the purchase, In fact, if you see the merchant ( Best Buy ) address and phone number, they do not exist. I went to the phisycal address that appears on the statement ; there is no Best Buy there. 
They told me to send a letter ( enclosed ) explaining this to their Dispute Center in SD. I sent the letter, they received it on XX/XX/XXXX. I have had no response from them and the chartge is still on me. 
How can I make a purchase with the EMV chip in a store that does not exist??
Complaint sub-issue: Information belongs to someone else

I HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.
Complaint sub-issue: Account information incorrect

I recently sent letters over 45 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021
Complaint sub-issue: Debt is not yours

I have disputed this with the other credit bureaus and they have both agreed this was not my debt and have removed it from my credit report. XXXX removed it in XXXX and then added it back on. Per the FCRA this is not my debt and is causing issues with my life. I am attaching proof that this is not showing up on my other credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. I have contacted Equifax and they keep saying that have not received the documentation. I have sent it to them several time without any response. Please delete this inquiry for XXXX XXXX made on XX/XX/20.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX and XX/XX/XXXX respectively, two credit card charges were made by me on my Citibank Costco visa card for the amount of {$680.00} and {$200.00}. Due to COVID-19 and travel restrictions, multiple attempts were made to cancel the booking and obtain a refund. Both hotels agreed to not charge but XXXX was not responding to request for a refund, so credit card dispute was started. 
While the dispute was going on, on XX/XX/XXXX, the XXXX agreed to refund both charges. Keeping that in mind I withdrew my dispute with my credit card, letting the charges for both amounts get posted on my account. 
I got the confirmation for cancellation from XXXX on XX/XX/XXXX for the same. 

On XX/XX/XXXX, XXXX, and XXXX, I received multiple emails from XXXX that the refund was not processed and to call them. After the call, I was sent an email again saying the refund has been processed. This happened for both hotels. All this while the conditional credit was removed from my account and charges were made for XXXX. 
Both refund emails were sent to me again on XX/XX/XXXX for both the charges. 

On XX/XX/XXXX, XXXX sent another letter saying they can not issue the refund, provided me with a chargeback number, and requested I follow up with the bank. 
When I contacted Citibank, they said they can not do anything since I accepted this charge. 
I contacted the XXXX again and they said they had already dispensed XXXX for one the hotel booking and that this charge will have to deal with my bank. For the {$680.00} charge for another reservation, they would need a letter from the bank stating that they are no longer pursuing the dispute, for XXXX to refund. 

I have contacted them every day for the past two weeks and have been transferred from one department to another and have stayed as long as two hours on wait only to be disconnected and start all over again. 

Citibank is not cooperating and providing the service that they are supposed to, nor are they assisting in resolving this issue. It has been frustrating and financially excruciating as I am still being charged for {$880.00} ( XXXX+XXXX ) for services are didn't use and had canceled them within guideline to be eligible for a full refund.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Account Name    XXXX   XXXX      XXXX   XXXX   XXXX   Account #  XXXX  I sent this organization via CERTIFIED MAIL  XXXX  items and they never responded.     Notice and Demand to Validate Debt Claim Affidavit to Prove Real Funds of Value Were Transmitted Privacy Act Request They need to remove this item from my PERSON 's credit report immediately. I will record a perfected security interest in  3x the a mount noted plus damages if they do n't remove this item from my credit report immediately.     I will also report them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and Securities Fraud.
Complaint sub-issue: Information belongs to someone else

I have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* Money mart XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 *XXXX XXXX XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Today I called the dispute resolution center for Equifax and XXXX to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the XXXX or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the XXXX or CFPB. They went as far as to refuse any knowledge of the existence of the XXXX and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the XXXX, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on XXXX and Equifax. I have attached copies of the items in question so a quick review can confirm they do not comply with the XXXX and should be deleted immediately and permanently.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Can't get other flexible options for repaying your loan

Hello, I have been trying to get my plan lowered. I initially mailed the documentation with all of the questions answered proof of income etc. Two months ago and per Nelnet I did not sign the documents. So Nelenet send me an email telling me this and sends the documents back prefilled and tells me I just need to sign and return. I did this the same day. I was under the assumption the documentation from the first round combined with the signature from the second round would be sufficient to process my request. 

So today I get another email from them saying now I need to answered the questions again which I have already one on two different occasions. So keep in mind I am sending this request because I can't afford the payments and each time they are telling me to wait it is ok please give them 15-20 days to respond. Keep in mind they report items after a certain time frame. 

One would assume that once they receive all documents it would be processed because I meet the requirements. Returned the documents twice. Now a third time and not only has this not been processed but also they have hit my credit report with a 90 day delinquency. Which in my opinion if you are sending the documents. I am complying with their requests my account should not be reported until this is resolved. 

So not only have you not processed my request but made my credit score take a hit and that is not fair on my end when I have complied and sent back the info.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

How many times do I need to tell you that this is not my account. It was been removed and now reinserted without even notifying me? This isn't fair. I felt I am being ignored and taken advantage.
Complaint sub-issue: Information is not mine

I 'm a victim of identity theft and someone else has been trying to open up accounts in my name and there 's a lot of inquiry on my credit report from XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX 3 times on my report, XXXX XXXX/XXXX/XXXX I already have an account with XXXX and some thing by the name of XXXX I did not do this.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SS # : XXXX XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I have enclosed a copy of my driver 's license and utility bill as proof of identity.

Sincerely yours, ___________________________________XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Problem during payment process

I recently applied and was approved for a macys store card. The website was down and the phone department seamed to always be down and unavailable to service my needs. I was approved for a card about 90 days ago, and I haven't received my statements or anything yet. I made 2 payments in the store at macys and just received my card. There is such vague information about this account, and I'm able to pay bill online, app, phone, or instore. If I make a payment on the phone they charge a fee that can't be refunded 9r waived. The ability to make a payment is not available for me and this seams alarming. The ability is always their, but is always down for service and then I try to make a payment input the checking account information and it won't take it. The account says they take debit card Information as well and there is no way to put that In the system as well. I call to make a payment on my account with a debit card and they charge me a fee to make a payment that is impossible for me to pay other ways, online, app, or on the phone due to the system always having issues and freezes and crashes for unknown reasons I reported to macys. But my complaint is they charge even if the other ways are out of order. Not fair.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

As of XX/XX/2019, I received a collection notification on my credit report from a company I have never had ties with and do not recognize for the amount of {$62.00}.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX  year old XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX - XXXX XXXX Inquired on XX/XX/2020 ; XXXX, XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 2020