Johnade/consumer_complaints_cfpb huggingface dataset:
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 Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I sending this report because I have many problems with the fraud I found on my credit report i don't have any relation with the fraud accounts I listed those accounts not mine they are wrong information they have everything on their file is some one used my information and used.
Complaint sub-issue: Their investigation did not fix an error on your report

The company wrote a fraudulent statement that I closed this case. I demand a retraction and an actual reporting of any and all collective information including recordings and documents of their investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

For the second time this year, after filing a dispute with Equifax about fraudulent inquiries, Equifax sent me a dispute resolution letter showing that the fraudulent inquiries had been removed. Still, they did not remove them from my actual credit report. 
Attached to this complaint, the dispute resolution letter received from Equifax Confirmation number or Case # XXXX dated XX/XX/XXXX, and Equifax Credit Report from XX/XX/XXXX, are attached to this complaint to evidence that Equifax is violating the Fair Credit Reporting Act of 1970 and Dispute Process required by Law. 
Please advise that I have been denied a mortgage, credit cards, loans due to those fraudulent inquiries in my credit report, and I have the creditors denial letters to evidence my allegations ; I provided required Identity Theft reports for those inquiries to Equifax several times. 
After the dispute process and investigation, Equifax informed me thru the attached letter that the fraudulent inquiries had been removed. However, those inquiries are still affecting my credit file as of today.
Complaint sub-issue: Debt is not yours

. I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Complaint sub-issue: Information belongs to someone else

My identity has been breached and used to obtain credit without me knowing. Please help me get to bottom of this and bring these people to justice. I can not even get a car loan because of this. I have become victim of identity theft due to I believe a data breach please help me.
Complaint sub-issue: Problem with rewards from credit card

Citicard involuntarily closed all of my credit card accounts on XX/XX/XXXX according to the rep I spoke with on the phone today, XX/XX/XXXX. In so doing, Citi 's rep claims that I forfeited my cashback. Additionally, some of these cards charge annual fees and I have not been refunded those fees. The rep on the phone today escalated me to a supervisor who said she couldn't help me get back this 'forfeited ' cashback. The amount citi owes me are detailed below and total {$1400.00}. Additionally, this behavior is in violation of Texas Deceptive Trade Practices Act as codified in Tex. Bus. & Comm. Code ch. 17, meaning Citibank could potentially be subject to treble damages if they fail to resolve this claim. 

Card lasXXXX Type Value ThankYou Points Stranded Balance of XXXX XXXX {$1.00} XXXX Rewards for spend on final statement {$44.00} XXXX Refund Annual Fee {$570.00} XXXX Rewards for spend on final statement {$2.00} XXXX Reward balance at time of closure {$9.00} XXXX Reward balance at time of closure {$73.00} XXXX Refund Annual Fee {$95.00} XXXX Reward balance at time of closure {$12.00} XXXX Reward balance at time of closure {$35.00} XXXX Rewards for spend on final statement {$40.00} XXXX Reward balance at time of closure {$140.00} XXXX Reward balance at time of closure {$130.00} XXXX Reward balance at time of closure {$0.00} XXXX Rewards for spend on final statement {$140.00} XXXX Reward balance at time of closure {$160.00}
Complaint sub-issue: Debt is not yours

I tried disputing debt multiple times this is not my debt I was not even a resident of the state when asked where it took place. They keep saying its verified but its not verified if I stayed in a different state. How do I accumulate a bill when I was in a different state with health insurance? Opened XXXX XXXX. XXXX is XXXX.
Complaint sub-issue: Information belongs to someone else

O WHOM IT MAY CONCERN : Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. Please delete the items as soon as possible Baed, 15 U.S. Cde 1681c2 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 
I ha bee 30 da ad ae VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Affidavit of Denial XXXX XXXX XXXX XXXX XXXX XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX XXXX XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XX/XX/2017 I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
Complaint sub-issue: Problem with fees

An overdraft cash advance fee was charged in error after making a deposit into my checking account and selecting an express funds availability option, funds were not made expressly available and an overdraft cash advance was initiated against my credit card.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent letters to each credit bureau re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary Jefferson Capital Systems , LLC v. XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX XXXX Jefferson Capital Systems , LLC Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For XXXX : Jefferson Capital Systems , LLC File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : Jefferson Capital Systems , LLC File Stamp : XXXX/XXXX/XXXX XXXX/XXXX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : Jefferson Capital Systems , LLC Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Automated ENotice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX Jefferson Capital Systems , LLC Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

XXXX XXXX  XXXX XXXX : Acct # XXXX ; XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

BEST BUY CREDIT CARD WAS A FRAUD MY SOCIAL SECURITY NUMBER AND PERSONAL INFORMATION WAS USED WITHOUT MY CONSENT.I WAS NOT LIVING IN THE TEXAS, I REPORTED THE FRAUD TO BEST BUY AND THEY NEVER RESOLVED THE PROBLEM AND THE ACCOUNT WAS SENT TO COLLECTIONS
Complaint sub-issue: Account status

Company " Carter -Young INC '' is listed on my XXXX report under collection but is reflecting closed as of XX/XX/2014 reporting XXXX balance. Please remove this item as this is not reporting correctly and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false.
Complaint sub-issue: Indicated committed crime not paying

XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed.
Complaint sub-issue: Received bad information about your loan

On  XX/XX/XXXX , I spoke with a man from Fedloan who told me I could consolidate my husband and I 's loans by filling out a single IDR plan request form. He told me our payments would each be  XX/XX/XXXX  dollars a month. He told me exactly how to fill out the form and said only one form was needed to cover both of us, and this would consolidate our loans together. I filled out the form and mailed it to them. They acknowledged they received it when I called over a month later. They said it was being processed. After no word, and noticing my husbands monthly payment shooting up to almost 300 dollars, I called Fedloan again and was told they stopped allowing married borrows to consolidate years ago. This was completely contrary to what the other representative told me. They said, I needed to resubmit an application and so did my husband. We each did this. This was on  XX/XX/XXXX . On  XX/XX/XXXX  we resubmitted yet ANOTHER IDR request form because I contacted Fedloan again ( again, since they had not gotten in touch with me and we were getting notices our payments were past due ) I called a representative who told me my husband could fill out a consolidation request form on studentloans.gov, which he did as well as submitting the proper paper documentation. I asked him what to do about my husbands overdue account which was past due. He told me no problem, there would be no penalty if we just instantly filled out and scanned a general forbearance request to cover the payment until the IDR/consolidation request was processed. We filled out and submitted/scanned AND mailed this form that very day. On  XX/XX/XXXX  Fedloan wrote my husband and told him his account was 21 days past due and " he had options, such as applying for forbearance ''. We had JUST submitted the request the day prior. We are concerned because we know we lose our rights after 30 days but we have been getting the runaround from Fedloan since early  XXXX  and every representative gives us a different story. Our credit score has been stellar but I 'm afraid of Fedloan ruining it. I contacted them again today to remind them of our  XX/XX/XXXX  forbearance request form and how they evidently ignored it since they wrote us a warning of a past due payment the day AFTER this form was submitted electronically.
Complaint sub-issue: Information belongs to someone else

This is a complaint against XXXX. I already disputed an account from them before, under the name XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax XXXX XXXX. However, an account with the same account number XXXX but with the name is now only showing up as XXXX, re-appeared in my reports and reporting negative under Equifax XXXX XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX   UNKNOWN {$6000.00} XXXX XXXX UNKNOWN {$3500.00} XXXX Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 card company isn't resolving a dispute about a purchase on your statement

Back in XX/XX/2018 I believe it was I was scammed by a woman online who made it come off as I was her than boyfriend, however, I later discover after she got a hold of my discover card login information that she went to try & clear the balance and each time after about a week or so the payments where all returned, I tried to speak to a number of discover card customer service reps and was told by one I was  scammed by what called a girlfriend scam however, they where not willing to do anything. I not believe Discover card would not even freeze the account or call me and ask me what is happening I mean this happened like over like two or so months & yet Discover never once said this looks out of place or anything to cause them to contact me other than asking me for payments or when I can make a payment to the account, granted I was at fault as well for falling for such a scam, however Discover didn't do XXXX XXXX $ anything to step in when they saw payments where returned and asking what is going on or freeze the account when they noticed payments where return. I don't know about anybody or anyone else but if I would have noticed this faster myself I would have never used the card any longer & would have done everything to fix this. I am angry and upset at Discover card for failing me when they could have surely protected me when I could have used it most at the time, but instead, they sit there and did nothing. I was a brand new customer of their 's and this is the thanks I get, I mean discover card now put my account in collections and just wants there money, I am beyond upset and angry about what happened and needless to say more hurt because nothing was ever done to help protect me as customer. I am not disputing the fact I should have known better, but I feel discover could have done something to step in when they saw one returned payment and ask me what is going on instead of not doing a XXXX thing. Now my balance is over {$3500.00} & growing, this is crazy more so when I feel if discover card could have helped me out and saved me from more problems instead they didn't do anything at all. I don't quite understand how any credit card company can just sit back and do nothing more so when a person becomes scams like I was by some person online who doesn't care who she / he hurts.
Complaint sub-issue: Reporting company used your report improperly

My Data was hacked per Equifax Credit Bureau, I had to go through an indepth process to try and limit further damage. I waited on the phone for long times to accomplish this. The other KEY of this problem is that EQUIFAX WAITED FOR MONTHS to advise THE CONSUMING PUBLIC OF THE BREACH OR HACK OF DATA. 

EQUIFAX HAD A DUTY TO PROTECT CONSUMER DATA, AND THEN IF BREACHED TO ADVISE US IMMEDIATELY, THEY DID NEITHER. SUPPOSEDLY, SOME WITHIN EQUIFAX IN FACT SOLD THEIR STOCK HOLDINGS PRIOR TO TELLING THE PUBLIC OF THE BREACH TO MINIMIZE PERSONAL FINANCIAL LOSS. THIS IN ITSELF IS " CRIMINAL ''. 

I WONT THEM HELD ACCOUNTABLE, I HAVE NO IDEA OF THE DAMAGE DONE UNTIL I START SEEING ACTIVITY. XXXX. XXXX
Complaint sub-issue: Reporting company used your report improperly

No safe guards for my personal financial profile at Equifax- their data base hacked with my credit files