Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

When my credit was pulled there was an account from Enhanced recovery for XXXX.I requested validation of debt including contract and account history.The date they are reporting is not accurate and what they submitted proves the way it is reporting on credit is not correct. I have disputed with the bureaus and yet this company still reports inaccurately. They are indicating that the account opened XX/XX/XXXX yet the final bill was received XX/XX/XXXX and what the collection company forwarded was nothing more than a bill showing total due for billing period of XX/XX/XXXX-XX/XX/XXXX and and bill Date XXXX/XXXX/XXXX and it reporting a previous balance of {$1200.00}. No break down of fees or anything. I did save the final bill received from XX/XX/XXXX. I want this deleted and any reference to this on my credit report. It is also past the statue of limitations for collections in NV. I have attached all documents I have referenced above. I am also sending a copy of the letter that was sent asking for validation.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years
Complaint sub-issue: Problem making or receiving payments

I have been using the XXXX XXXX for over a year now and it helps me in times where my funds are, or will be low. It's a small loan, less than {$100.00}, with a less than {$5.00} service fee attached, and an option to leave a " tip '', which would be used to plant trees around the world. An option, meaning you aren't required to in order to receive money from XXXX. I have my account set up to automatically withdraw the amount I owe XXXX on payday. This app has always only deposited money into my account when I requested it, and has only ever automatically withdrawn from my account when I borrowed money. It was also always the agreed upon amount. I have never had an unauthorized transaction with this app. Now, PNC is not letting me connect my account. I understand it's for their customers safety however, the XXXX XXXX does not need protection from. This happened today, XXXX, and PNC has disconnected my account without my permission about 4 times throughout the past year. I was able to reconnect it myself in the past, but today I was directed to the CFPB.
Complaint sub-issue: Account information incorrect

My former complaint with Drivetime advises that I had a referral from them that resulted in a {$200.00} dollar credit that was accepted as a form of payment in XX/XX/XXXX. No one that I know of made a referral using my name inXX/XX/XXXX towards DriveTime. I am requesting that they give me the person 's name who used me as a referral. My sister had an account with DriveTime but that was before XX/XX/XXXX. So if they are using my sister 's account and trying to use it as a referral to me they are incorrect. I have gotten my sisters documents showing that she had a vehicle with them and in no way should have ANY referral been used against my account as I did not refer any one. That makes no sense ; why would I tell someone to use me as a reference on a car loan that was not actively being paid on.

DriveTime is trying to reage my account. I will get a lawyer involved if I have to further escalate this.

I want DriveTime to PROOF to me who and when someone used me as a reference as THIS IS FALSE.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

1. Home depot merchandise was not properly delivered to the correct address at the time and place specified as required, nor was that merchandise in a proper condition ; as a result I as buyer incurred additional expenses costs and labor.

2. Credit ( Citi Financial and merchant Home Depot failed to resolve the buyers disputes and grievances related to all charges credit interest etc of the account involved by clear concise means as their accounting was convoluted, improper, redundant unclear unverifiable, and prone to error. 
3. Merchant Home Depot erroneously claimed the buyer customer signed a receipt for building material 4. Said construction materials were dropped off by curbside delivery in front of someone else 's property ( not buyers ) without any documentation attached. 
4. In a period ( XX/XX/2020 to present XX/XX/2020 ) Merchant failed to return to that merchandise 's location to verify proper delivery of said merchandise nor to properly move it to the correct location nor check its condition. 
5. Merchant Home Depot and its agent Citi Financial Credit Services consorted in collusion to  Company confound aggravate obstruct and harassed the buyer seeking resolution of these and other issues over a period of time from XX/XX/2020 to XX/XX/2020. 
5. Citi Financial Services and Home Depot act in tandem as conspirators and agents not as independent parties and said parties intrinsically do not act as responsible parties that objectively respond to customer complaints as they act to cheat customers by charging them and not resolving their issues wit the merchant.
Complaint sub-issue: Account status incorrect

Credit report is reporting data that is incorrect. XXXX XXXX is reporting an account that was not opened or used by me. 

Hard inquires needing to be removed, credit was not extended
Complaint sub-issue: Debt is not yours

I received a collection letter on XX/XX/2022 from Jefferson Capital attempting to collect a debt, I responded back to the letter within 30 day requesting validation of this alleged debt. Jefferson Capital response was to file a FTC report.
Complaint sub-issue: Account status incorrect

Dear XXXX, Equifax, XXXX, Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

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

On XX/XX/XXXX I sent, through certified mail, a letter to XXXX, Equifax, and XXXX credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - Equifax XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to XXXX requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, XXXX is reporting the date of last activity for this account to be XX/XX/XXXX. However, XXXX reports this date as XX/XX/XXXX and Equifax reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all XXXX  credit reporting bureaus ' records. 

XXXX XXXX XXXX - XXXX
Complaint sub-issue: Public record information inaccurate

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Complaint sub-issue: Information belongs to someone else

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.
Complaint sub-issue: Information belongs to someone else

I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Complaint sub-issue: Public record

They keep verifying that a dismissed chapter-XXXX bankruptcy in my credit report is mine and they are wrong. They are not verifying or investigating this information, this belongs to someone with a similar name but it 's not mine. I need this item removed at once from my credit report.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX XXXX XXXX ) XXXX XXXX /XXXX  Account Number : XXXX, ( Equifax ) XXXX XXXX Account Number : XXXX, ( XXXX, equifax, XXXX ) XXXX XXXX   Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( Equifax ) XXXX XXXX Account XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX 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 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 two 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 and remove the accounts 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 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE DISPUTED AN INACCURATE BANKRUPTCY WITH EQUIFAX SEVERAL TIMES. AFTER THE INITIAL DISPUTE THEY INFORMED ME THAT THE BANKRUPTCY WAS VERIFIED, AND IT WAS VERIFIED THROUGH THE BANKRUPTCY COURT AT XXXX XXXX XXXX XXXX, XXXX IL XXXX. WHILE DOING MY OWN INVESTIGATION I CONTACTED THE BANKRUPTCY COURT & XXXX XXXX DIRECTLY. AFTER REVIEWING MY XXXX XXXX REPORT IT STATES THERE IS NO RECORD OF ANY BANKRUPTCY FOUND. I ALSO SPOKE WITH A CLERK SUPERVISOR AT THE BANKRUPTCY COURT AND RECEIVED SIGNED DOCUMENTATION WITH THE STATE SEAL THAT STATES THE COURT HOUSE DOES NOT VERIFY BANKRUPTCIES TO CREDIT BUREAUS. I ALSO DISPUTED THIS WITH XXXX AND THE INACCURATE BANKRUPTCY WAS REMOVED. I THEN PROVIDED EQUIFAX WITH : MY XXXX INVESTIGATION RESULTS, WHICH STATES IT WAS REMOVED MY XXXX CONSUMER DISCLOSURE REPORT FROM XXXX XXXX, WHICH STATES NO RECORD OF BANKRUPTCY FOUND AND THE SIGNED & SEALED LETTER FROM THE BANKRUPTCY COURTHOUSE, WHICH STATES THEY DO NOT VERIFY BANKRUPTCIES. AFTER ALL OF MY SUPPORTING DOCUMENTATION THEY HAVE YET TO REMOVE THE BANKRUPTCY AND CONTINUE TO LIE AND SAY THEY VERIFIED IT THROUGH THE COURT HOUSE.
Complaint sub-issue: Didn't receive notice of right to dispute

I noticed a collection on my report and called the credit agency. I was told a company called National Recoveey Agency had put the collection on my report. I have never received any communication from this company, no dunning letter or opportunity to dispute. This is against debt collection laws. Moreover, the debt alleges that I had an account that went into collection with XXXX XXXX  in 2018. I did not have an account with XXXX XXXX in 2018 so the reporting is wrong as well. 
I was prejudiced by this lack of notice.
Complaint sub-issue: Can't close your account

Please tell them to close my account, ive contacted them 100 times through phone support and direct message and its still open thanks!
Complaint sub-issue: Can't close your account

I closed my account on XXXX and was assured that no transactions would allow the account to reopen. I specifically asked about ACH transactions and they reassured me that no attempted transaction would reopen the account. However, on XXXX an attempted ACH transaction from the previous co-account holder was issued and caused the account to go negative in the amount of {$450.00}. As the previous co-account holder can not be contacted, I called the fraud department and asked that they reverse the transaction and reclose the account. They initially agree but then retracted stating that there was nothing they could do about an ACH, contrary to what I was told when I closed the account.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019, I submitted dispute information to Equifax which included police report along with a copy of my driver license and Social Security card as identification. A week later I received a letter asking for these same identification items again. 

On XX/XX/2019 I submitted copies of the first police report with a copy of a new police report and again attaching my driver license and Social Social Security card as requested. 
On or about XX/XX/2019 instead of getting an update I once again received a form letter dated XX/XX/2019 ( attached ) requesting copies of my driver license and Social Security card which I just sent them a week prior. 

On the XX/XX/2019 I submitted a copy of my FTC Identity Theft Report ( attached ) with copies of my driver license, Social Security card and my most recent light bill only to get another form letter dated XX/XX/2019. ( attached ) instead of getting an update on my file. 

This is a ridiculous amount of times I have had to submit my identification only to have to produce it again and again when it is in their hands. I am a XXXX XXXX XXXX woman with limited income and resources to be able to provide these things. ( Attached is the FTC Identity Theft report with the two most recent form letters from Equifax both received within the past few days.
Complaint sub-issue: Account status

I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full XX/XX/XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee XX/XX/XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees XX/XX/XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Complaint sub-issue: Their investigation did not fix an error on your report

i was trying to buy a new house and i realized that there was Accounts on my report that i never signed up for so i got on the ftc website and followed their directions to get those accounts removed but the credit bureaus just disregarded my disputes. this is a complaint coming from me the person not a third party company.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

i submitted a dispute with equifax. they emailed me and said they have the results and i can view them by clicking on icon. i did this and filled out all my personal information, which i am sure is correct i did it 5 times. twice it let me get it to a questionnaire section, with i answered all the questions. the all were on accounts supposedly on my file. this brings a new concern and complaint. i have not applied or opened any accounts from XXXX till XXXX the first account applied to was in XXXX all the questions say i have accounts opened in this 11 year period which would be false. so they wont let me access the results or information or give a number that i can call to speak to somebody to begin to straighten out this mess. this is very aggravating especially know all the credit fraud thats going on, and this is supposed to be the source to correct any, what a joke.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 i sent off a debt validation letter to the alleged debt Collector XXXX XXXX & they returned to sender saying that address is unknown & invalid when this is the address clearly showing on my Consumer report. If address information is invalid then surely the information being reported is to my understanding INACCURATE also. 

In accordance with the Fair Credit Reporting act XXXX XXXX # xxxxxxxxxx XXXX 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: Their investigation did not fix an error on your report

I contacted Equifax about some incorrect, inaccurate, and fraudalent data on my credit report and the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Equifax to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Equifax.
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 instruction