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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i 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 accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX****-Balance {$7300.00} XXXXBalance {$0.00} XXXX XXXXBalance {$3300.00} XXXXBalance {$37.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I discovered that I was charged erroneously at a XXXX XXXX for multiple stays during the same time period. Once I discovered the 2 out of 3 additional charges, I notified Citibank and disputed the charge after trying multiple times to correct the issue with the vendor. The charge in particular was for {$290.00} for an additional stay that I had already paid for in-full. 

Citibank immediately issued me a conditional credit for the 2 charges and supposedly launched an investigation. Without any reasonable explanation, I was sent a notice on XX/XX/XXXX that the dispute was not resolved in my favor and I would be responsible for all charges. 

The communication from Citibank noted specifically : After reviewing your dispute and the information you provided, we're unable to resolve the dispute in your favor. The information wasn't enough to support your claim, and you are responsible for the disputed charge. If you'd like to pursue this matter further, please contact the merchant directly. 

The investigation into your dispute has been completed, the conditional credit we issued to your account, along with any related fees and interest charges, if applicable, has been reversed. Please note, it'll be reversed in the next two business days - you'll see it listed with your account activity on your next statement, or by logging into Citi Online or the Citi Mobile App. 

We included the below transaction details for the dispute ( s ) on account ending in XXXX for your reference. 
Date XX/XX/XXXX Amount {$290.00} Merchant/Description XXXX XXXX XXXX XXXX MI I did not received any communications from Citibank during the dispute time period and have not seen, to date, any communications or proof thereof between Citibank and the vendor that any attempt was made to resolve the dispute on my behalf. 

This is unfair and inaccurate and I should not be responsible for services from any vendor that I did not receive and as a 20-plus year customer, I am filing a complaint because I do not believe that they investigated the erroneous charge at all.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX I return the jewelry to XXXX XXXX within the time under the return policy. I call Citi Bank at the time they told me they was working on the issue. I was later put off time after time. No return call some one always going to get back to me. Wrote Citi Bank disputing the issue and had all rights to cancel the agreement. Citibank let the time run out and then call me after the fact. I had talk to them several times. 

Citi Bank does not do what they say its just the run around.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Mortgage Ser Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX I do not recgonize these inquaries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Per original complaint XXXX, which I can no longer access because it was closed based on the " goodwill gesture '' of NBT Bank on XXXX XXXX XXXX I was provided with the following statement ( See below & attachment ) : QUOTE : Therefore, as a goodwill gesture, we will be removing the repossession from your credit history and we are working to eliminate the remaining balance of the loan. You can consider this letter as evidence that there is no longer a deficiency balance and your loan is considered paid in full. We hope that in the future, should a similar situation present itself, you would speak with members of our collections and/or customer service teams to keep us informed of your situation and allow us the opportunity to work through the challenges and avoid repossession altogether. Sincerely, XXXX XXXX XXXX XXXX XXXX MONETARY RELIEF AMOUNT {$3300.00} Instead, the debt was reported AGAIN after this as a repossession at the close of that month dropping my credit score again. After nearly 3 months with no intervention on the company 's part, I submitted a dispute with credit agencies using this document provided by XXXX XXXX as " evidence '' for removal from my credit report. Instead of the result of the dispute being a removal, NBT 's response, despite furnishing the credit agencies with this document from the XXXX XXXX XXXX XXXXXXXX XXXX as it was presented in the original complaint through the Consumer Financial Protection Bureau, was to immediately report the debt TWICE in ONE WEEK as DELINQUENT ACCOUNT, DEROGATORY, COLLECTION/CHARGE OFF, amount owing ( TWO different amounts on TWO different days - See attached ), which dropped my credit score with XXXX ANOTHER XXXX points!! XXXX is showing recent delinquent reporting from NBT ( see attached ) - actual score will be updated within a week. XXXX  Dispute is currently still pending. I shudder to think what the end result of that will be. 

There are hardly words.
Complaint sub-issue: Was not notified of investigation status or results

Per tracking, tts been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Accounts receivable reporting higher balance than the credit limit shown. Also, how are they going to report a medical account, they have no medical release to collect on this account and needs removed upon receipt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, 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  have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

My compliant is against XXXX Account # XXXX, open XX/XX/2015, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Complaint sub-issue: Information belongs to someone else

1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Complaint sub-issue: Reporting company used your report improperly

The consumer reporting agencies ( XXXX, XXXX and Equifax ) has violated XXXX XXXX XXXX ( XXXX ) ( XXXX ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, XXXX OR EQUIFAX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX. XXXX & XXXX - Acct # : XXXX XXXX. XXXX XXXX XXXX -Acct # : XXXX XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX
Complaint sub-issue: Attempted to collect wrong amount

i have tried to settle issue with this company and no anvil they refuse provide proper information on this debt. this company is reporting invalid amount and invalid dates the amount owed is XXXX and the are reporting XXXX owed the original default date in XX/XX/XXXX they have updated it toXX/XX/XXXX restarting sol texas for debt collection I have sent out two letters to this company requesting proper information
Complaint sub-issue: Account information incorrect

Equifax consistently does not update my credit report. I have documented proof from XXXX from other credit bureaus from discover and all of my other revolving accounts stating they are sending the information to all three credit bureaus yet Equifax is the only one that does not update it. They have not updated anything on my credit report for 60 days or more. I have contacted them repeatedly they do not fix the problem.
Complaint sub-issue: Information belongs to someone else

I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please produce the contract used to verify these accounts because I have none with them and the information you have is inaccurate. Additionally, I called the furnishers and they don't have any proof the accounts belong to me. They realized they reported the wrong information to my file and agreed to remove it. Please remove them instantly! 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

There are three hard inquiries listed for XXXX XXXX. The dates are : XX/XX/2018 XX/XX/2018 XX/XX/2018 These are all inquiries for a mortgage and should only count as one inquiry.
Complaint sub-issue: Debt was paid

XXXX service was canceled and paid last payment.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an order at a merchant called XXXX in their internet website on XX/XX/2019. The company cancelled the order. However, a charge was issued to my credit card which they refuse to remove. My credit card company will do nothing about it.
Complaint sub-issue: Debt was result of identity theft

MACYS XXXX : XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification MACYS is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Complaint sub-issue: Debt is not mine

I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts, sends them to credit reporting agencies, and makes dozens of harrasing calls each day to their " customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist, as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research, I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports, but they have not taken them time to research AFNI and see that they are a SCAM. I am now urging the CFPB to do whatever is necessary to remove this false debt from my credit reports. I have exhausted every remedy that was suggested to this point of working through the credit reporting agencies. Please help me.
Complaint sub-issue: Information belongs to someone else

Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There also several inquiries that I did not run my credit 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: Credit inquiries on your report that you don't recognize

XXXX XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX a derogatory mark was placed on my XXXX  account regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
Complaint sub-issue: No notice of investigation status/result

to whom it may concern i am having a issue with credit report agency innovis not complying with Fair credit Act Codes and Regulations bascliy violating my rights i requested a consumer report i received it i saw things out of place i disputed them online and with a dispute letter requesting the Documents they use to determine that the claim was verified. along with the name and number of the people they spoke to verify the account i have attach supporting documents for my complaint
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting aXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Didn't receive notice of right to dispute

I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have been disputing a total of 18 inaccurate student loan late payments from XX/XX/2015- XX/XX/2015 ( accounts-XXXX/ XXXX XXXX ) that recently appeared on my credit report with Equifax. Also the same accounts are reported differently with XXXX I had my address updated with them, also providing a valid and current Driver License and Social Security card and banking statement with my correct current address during disputes. Because they sent letters to my current address requesting verification of my identity, but still report wrong address on my credit report How is that possible? I even called them numerous of times to have them update my identity with current information. So now I pull my credit report and they are yet again still reporting wrong address ( proof enclosed ) and now these late payments have shown up on accounts listed which were not there before. Clearly a violation with the FCRA, and I want to take legal action on this matter.
Complaint sub-issue: Attempted to collect wrong amount

Balance due from XXXX XXXX for {$37.00} went to collections Plus Four INC. They are attempting to collect {$47.00}. I have never received a bill from the original company nor a bill or calls from the collection company regarding this bill, so I am not even sure it is true. I do recall having the services performed, so I am willing to pay the {$37.00} owed. I contact Plus Four because I saw the mark on my credit app on my phone. I spoke first with XXXX and offered to pay the original amount. she said no. I asked to speak to a manager she put me on hold. I hung up and called back and spoke with XXXX. He indicated they would take the amount but would still have the remainder owed and on my credit. I asked to speak to a manager, he indicated it was such a small amount he didn't think his manager would want to bother. After placing me on hold he came back and said the manger said no. I reminded him that I wanted to speak with the manager, not him. He said he wasn't available and hung up on me. I called back and spoke to XXXX again asking to speak to the manager and he hung up again. I called again and spoke to XXXX. She indicated the manager was not there and would not be back until Monday. I asked for the manager 's name, she indicated it is XXXX. When I asked for his last name she refused to give it and also hung up on me. I now feel this bill is not mine and am not sure what I need to do. Thank you for your assistance
Complaint sub-issue: Don't agree with the fees charged

I received a letter in the mail in XX/XX/2022 from a company called XXXX XXXX stating that I was eligible for the consolidation of my student loans, and I am eligible for loan forgiveness. I called them and we set up a plan that would make my debt forgiven after 120 payments. In order for them to make the documents they said I had to pay {$800.00}. I wasn't able to pay that amount up front, so we set a payment plan to take three separate payments out over a span of a couple weeks. Since then, {$39.00} have been coming out of my bank totaling {$1000.00} has been taken out of my checking account and no changes have been made to my student loan status nor have these payments been applied to my loans. I contacted Federal Student Loans and told I was scammed, and these forms are free to contact my bank. I have all of my emails and agreement from them. When I finally got through to them, they made me feel like I was making things up and even said in my agreement I was able to do these forms for free. Nowhere in the agreement said that. 
Unfortunately, my bank can not resolve my issue as it is 60 days before the transactions.
Complaint sub-issue: Information is not mine

I first contacted equifax by phone to dispute several inquiries on my credit report and I was n't allowes to dispute the inquiries by phone. I was told I could dispute them online or in writing. I disputed them online and the investigation was completed the same day. I was told that the inquiries were factual. The inquiries on my rwport werw not the result of any request made by me. They did not investigate my dispute. I also contacted the creditors to have them removed and they directed to request the inquiries be removed by the credit reporting agency. Tge inquiries are affecting my credit standing. I understand that inquiries that I initiate will remain on the report. I only want tbe ones that were not initiated by me removed. 
Thank you and I wiuld appreciate assistance in this matter.