Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Complaint sub-issue: Information belongs to someone else

I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.
Complaint sub-issue: Problem with personal statement of dispute

Flagship credit acceptance reported that I paid a payment late. That is not true i am asking them to show documentation that the payment was late or remove from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to Equifax & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had a citi double cash card which ended with XXXX. On or about XXXX, I opened my paper statement for the billing period XXXX and found of the 25 charges made to my card, 17 of them were not made by me. I did not lose or lend my card. I called the card company, disputed the fraudulent activity and paid for my charges immediately, as I always do. Prior to getting the next statement for the billing period in the mail, I got an e-mail, on or about XX/XX/XXXX asking to contact the credit card company. Upon contacting the card company, I was asked about the 25 charges transacted from XXXX. Of those, 24 were made fraudulently and i disputed them. I was then issued a new card. On XXXX XXXX, I received a brief letter from the card company, stating that as I did not lose or lend my card, the dispute was closed. I then sent a letter, via certified mail, to citi bank security services dated XXXX, reminding them that turning their back on their customer without attempting any due diligence on their part, implies that I am the one who is a fraud, a cheat and a liar and that implication is indeed slanderous. I then pointed out the inconsistencies of the disputed purchases with regards to the prior 11 months of my card use, the frequenting of places I have never been, neighborhoods and cities I have never visited as opposed to the very limited sectors I used my card prior to the disputes. As I understand it, the credit card company is required to reply to me in writing within a certain number of days. That time has long passed. I maintain, in the strongest possible terms, that I did not make any of the disputed charges, and insist that all the disputed charges, fees, and interest be removed from my account.
Complaint sub-issue: Problem accessing account

On XX/XX/XXXX, I received a call from Citibank about an unusual activity on my checking account. As a result, Citibank blocked my access to my account. I called Citibank and confirmed I did not recognize or approve the unusual activity on my account. Therefore, I was informed I would get a new bank card within the next 24-48 hours which would have been the latest on XX/XX/XXXX. Unfortunately, Citibank did not advise me I could go to a branch to get a temporary card. I received a notification from XX/XX/XXXX that my bank card would be delivered on XX/XX/XXXX. However, it was not delivered. I have called Citibank costumer service about the matter and their representatives have been rude and provided misinformation. Its been more than 48 hours and I have not received my bank card and/or access to my account. Citibank has not made any effort to provide good customer service!
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2020 I received a email from XXXX stating that Equifax put a Fraud Alert because I was a XXXX XXXX and Not to lease an a Apartment to me, and that I had Not Paid Off my Home, and that my Credit Report was erroneous! Also Equifax Reduced my Credit Score by 52 points and these XXXX are still Toying with my Credit Report big boy style with XXXX XXXX  aggressions to-date, but Im a Fighter, I Fight Back! These XXXX are coming at me in a real way, and I got to show them in a court setting I Fight Back and Im going to take their money for XXXX with me for the past 26 years with their XXXX XXXX  acts!
Complaint sub-issue: Frequent or repeated calls

I have a balance owed with this company ( the Collections department. ) They repeatedly call with no one on the other line when I answer. They also call and do not leave messages, and then email me that they were unable to reach me by phone. I have emailed them to set up payment arrangements but told them in the email not to call me before XXXX because I am working during that time, and that email is the preferred method of contact to reach me. Even after that email sent XX/XX/2018, I have received two more calls since, where no one was on the other line when I picked up. This is very disruptive and harassing.
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. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-XXXX-Balance {$1500.00} XXXX-XXXX-Balance {$240.00} XXXX XXXX XXXX-XXXX-Balance {$62000.00}
Complaint sub-issue: Old information reappears or never goes away

I tried using eqifax online and there are questions you absolutely have to complete. I check none of the above on all of them, however they say im wrong. There isnt anything on my credit report other than medical bills and if there is its not from me. I called the company and they said I was lying and demanded I send in by mail a copy of my social and drivers liscense. Thats probably one of the most unsafe things for identity there is. I cant access my account.
Complaint sub-issue: Unable to open an account

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. My Chapter XXXX Bankruptcy case was discharged on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed. TCF Bank was discharged in bankruptcy court. TCF Bank is discriminating against me and wont allow me to open up a checking account or apply for other TCF Bank products or services due to me having a previous debt with TCF Bank that was discharged in bankruptcy court under Chapter XXXX. TCF Bank is discriminating against me based on my race as well, me being XXXX XXXX XXXX XXXX ). TCF Bank is denying me credit and an opportunity to reestablish my credit. TCF Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The date of last activity is incorrect. How can this account be charged off when I pay them on time and in full.. Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX  and Equifax on several occasions informing them there are several hard inquiries listed on my credit report dating back to 2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired. 

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from XXXX stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the XXXX dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.
Complaint sub-issue: Information belongs to someone else

Received response to my CFPB complaint against XXXX XXXX XXXX about account reported on credit files. XXXX investigated and determined the account is not mine and is fraudulent. 

Follow up to Complaint against Equifax CFPB # XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I went to do a withdrawal at local branch of BB & T on XXXX XXXX in XXXX, NC on Friday afternoon XX/XX/2018 XXXX for {$2400.00} and asked XXXX XXXX ( XXXX ) her to round up to XXXX. She then gave me a slip for XXXX which I signed and told her it was not correct, round up to XXXX so she did another withdrawal slip for me to sign. I asked for 2 separate envelopes, place XXXX in one and the balance in the other. I did not count the money as I left due to having a bad headache and went directly home where I live with my 2 sons and went to bed with my purse on the chair in my bedroom. Upon awakening, I called the boys into my room to talk and reminded them a person was coming for $ that I owed and removed the envelopes from my purse. I gave each XXXX of them an envelope to count. The first envelope of XXXX consisted of XXXX {$100.00} dollar bills. The other envelope had all XXXX, a XXXX and a XXXX and the amount was only XXXX. The bank shorted me {$1000.00}. I got dressed and took my XXXX year old son to the bank at XXXX. I explained what happened to the manager, XXXX XXXX, who eventually reconciled the draw and I was told nothing was amiss. I expressed my concern and need for further answers as the money never left my purse or envelope and I had gone directly home. She told me I would unfortunately not get an answer as the hurricane was coming to NC and compliance officer was unavailable until the next Monday and gave me her card. I called Monday by XXXX and left her a VM. I then went into the branch shortly after XXXX the same day to inquire and was told someone was likely coming the next day after XXXX to audit. I received a VM from the manager Tuesday stating she was calling but no further info. I called back and left another VM at XXXX. she called Wednesday around XXXX telling me her drawer was counted 3 times, no discrepancy and was given a phone number to call that was the XXXX complaint line. I called and it said the number was not valid. I called the manager again and was given a different number which I proceeded to call at XXXX and was on hold ~18 minutes from my cell phone. I called the manager after 16 minutes from a land line with my cell phone on speaker. While she was listening, the call went from recordings to a busy signal and the call was disconnected. The manager assured me she had spoken to someone and that she would try to send an email and call them back for me. To date at XXXX on XX/XX/18, I have not received any correspondence from BB & T regarding this matter.
Complaint sub-issue: Didn't receive enough information to verify debt

I mailed out a debt validation letter on XX/XX/XXXX to Enhanced Recoveries Company to  validate the alleged debt from XXXX that was on my credit report. I stated in the letter that the collection agency has 30 days from the receipt of this notice to respond. They failed to respond to the debt validation letter which I presume the debt was placed on credit as an error and that the matter should be closed permanently.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX ( XXXX ) Account number XXXX Placed on my report XX/XX/2021 2021
Complaint sub-issue: Trouble with how payments are handled

I have a federal loan that I have been paying on for years. I do not make enough to pay the recommended payment so it has been on an income sensitive payment for the last several years. Due to this situation I am only paying on interest that is accruing faster then I can make payments. I will not ever be able to purchase a house with this debt and it is a burden for me to continue to carry. I will be paying on this loan until I die. Another issue is that in order to use the degree that I earned I would have to go back to school to be re-certified in certain areas. 
Please offer any assistance that you can
Complaint sub-issue: Personal information incorrect

XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint.
Complaint sub-issue: Account information incorrect

XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern
Complaint sub-issue: Information is not mine

Equifax keeps reporting XXXX student loan on my account that does not belong to me. I need them to verify the social security number, which they HAVE NOT! they need to remove this student loan from my account.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within a timely matter IMMEDIATELY the dates last active is inaccurate, birthdate incorrect and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation Party Owed : XXXX Amount : {$1300.00} Account # : XXXX Party Owed : XXXX Amount : {$3000.00} Account # : XXXX Party Owed : XXXX Amount : {$2600.00} Account # : XXXX Party Owed : XXXX Amount : {$5500.00} Account # : XXXX Party Owed : XXXX Amount : {$4800.00} Account # : XXXX Party Owed : XXXX Amount : {$6600.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4600.00} Account # : XXXX Party Owed : XXXX Amount : {$5300.00} Account # : XXXX Party Owed : XXXX Amount : {$1.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$6700.00} Account # : XXXX Party Owed : XXXX Amount : {$0.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4700.00} Account # : XXXX Party Owed : XXXX Amount : {$4100.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXX Amount : {$600.00} Account # : XXXX XXXX Owed : XXXX XXXX Amount : {$550.00} Account # : XXXX Party Owed XXXX XXXX Amount : {$600.00} Account # : XXXX I am disputing this claim due to : I HAVE KNOW KNOWLEGDE OF THIS ACCOUNT IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX EQUIFAX & XXXX HAS VIOLATED MY RIGHTS.
Complaint sub-issue: Their investigation did not fix an error on your report

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the creditors have violated my rights. Under 15 U.S.C. 1681, section 602, it states that I have the right to privacy. Under 15 U.S.C. 1681, section 604 ( a ) ( 2 ), it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I respectfully request that any late payments be removed.
Complaint sub-issue: Account information incorrect

XXXX XXXX in XXXX SC turned me into collections after I paid the bill have approx XXXX infractions of collections on credit report after bill paid in full, history of paying since day one over contractual amount hospital wanted ( XXXX a month but paid above and over this amount ) continue to be on credit until XXXX this year