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

The account XXXX  for {$900.00} was disputed and deleted from my XXXX  account on XX/XX/2020. This account should be removed from my other reports as well as it is inaccurate.
Complaint sub-issue: Account information incorrect

XXXX XXXX aka XXXX XXXX XXXX has garnished their amount for the loan out of my banking account. The amount of the loan as per my credit report is {$3700.00}. On XX/XX/XXXX my bank received a garnishment letter in which the debt collector took {$5000.00} from me after I had already paid in {$3000.00} right before the garnishment. So in total now I have paid in over {$8000.00} well over the amount of the loan {$3700.00}. This should be marked PAID OR REMOVED FROM MY CREDIT REPORT! I have tried over and over to work with this company and they will not!
Complaint sub-issue: Information belongs to someone else

The last letters I sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them. Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Sometime in XX/XX/2019 I made the mortgage payment through XXXX 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my Equifax report it states I was late in XXXX and XXXX of 2019. I called XXXX about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with Equifax. They said they will not send me anything.
Complaint sub-issue: Account status incorrect

XXXX 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 have several student loans accounts with XXXX  all have different ages, and all have different reports of last activity as well as they have different dates of last activity, these accounts report different account numbers across the bureaus. 

These student loan accounts can't be made sense of because these accounts report on my credit as open, however when i called XXXX they've told me that these accounts have been sold to another company, and nobody at navient is able to assist me with getting proper information on my accounts. 

The company also states that they no longer service student loans, essentially this company is reporting misinformation with no recourse as to how to correct it.
Complaint sub-issue: Account terms

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Complaint sub-issue: Information belongs to someone else

four fraud accounts have been reporting on my credit file, for the longest time, and i have been disputing these inaccuracies, with equifax credit reporting agency, they have not been helpful at all, and XXXX and XXXX have deleted all these inaccuracies except equifax. and they are not even listening now to what u have been trying to explain and they are placing inaccurate disputes and wrong explanations for each disputes. please help me out, i have researched and found out that you are here for consumers to back them up, so i am writing to you in this regards, these few months have been disaster for me and my family. i have never lived under the address the addresses that they are discussing i keep explaining but they dont care. 
please have all these inaccuracies removed from equifax sporting. XXXX bless you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I was making a purchase at XXXX XXXX. The total charge was {$50.00}. I initially tried to pay by XXXX XXXX credit card. The new cashier in training told me she could not process my credit card and asked me to pay cash. I then paid {$60.00} in cash and I got {$10.00} for change. 


After two months, I got a bill stating I owe {$78.00} including the late fee. That means I was charged twice on XX/XX/XXXX and I paid twice ( XXXX credit card and my cash ) for the same items.I did not even got the first bill of {$50.00} in the first place. 


Since I have already paid the items by cash, I am not responsible for the {$78.00} card payment. I called XXXX XXXX and filed a dispute. I was told I would not be charged the interest during the investigation. I faxed my letter explaining the situation and faxed a copy of the receipts. 


However, I got three letters today on XX/XX/XXXX from XXXX XXXX. The first one stated they got my request for the dispute. The second one I got was asking me to call them to provide further info. The third one was the statement asking me to pay {$110.00} now including the additional late fee again. I called XXXX XXXX   again and the representative twisted the story. She said the cash payment was cancelled and the credit card was charged. I discussed about the receipts I sent them earlier by fax but the info was ignored. 


Therefore, pls follow up and waive all the charges and fees.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX, XX/XX/2016, amount XXXX . 

I went Into the XXXX store before they sent the debt to collections. I wanted To make a payment and reconnect service. They said i couldnt And wouldnt let me get a new phone because of the history i had With them. They said they would soon send it to collections where i can Work out payment plan with collection company and possibly get a new phone when i pay Off debt.
Complaint sub-issue: Debt is not yours

Equifax is reporting a debt that I asked them to validate to no avail. A medical collection account # XXXX for {$210.00} It does n't even show who its from nor the name of the collection company. Please show me the contract bearing my signature, the last payment is incorrect and the amount is inaccurate. I 've asked this account to be removed previously according to the FCRA.
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes and FTC regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Complaint sub-issue: Problem getting your free annual credit report

I am hoping to buy a house for the first time this year, so I want to be able to check my credit reports to make sure that everything is accurate before I apply for a mortgage. I checked my credit scores and noticed that one of my scores, run by Equifax, was almost 100 points lower than the others. This was obviously a red flag and told me I needed to check my credit reports. I found that the way to access your free credit reports is through XXXX, so I went there and filled out all of my information. I was able to access my XXXX and XXXX reports fine by answering identity verification questions about my credit history. However, when it came time to answer those identity verification questions to access my Equifax report, every question asked about loans and credit cards that I do not have and have never heard of ( another red flag ), so I was forced to answer N/A to all of the questions. For this reason, I was unable to access my Equifax report on that website. I tried going on the Equifax website, which told me that other than XXXX, the other way to receive a free Equifax was via mail by mailing the company a copy of my driver 's license, etc. This reminded me that I actually did this last year when I had the same trouble accessing my report and never received any mail back ( a third, huge red flag ). I called Equifax and explained all of the above, the employee verified my identity and then tried to make me pay {$15.00} to access my report. I know they are required by law to give me access to my report for free once per year, so this is illegal. When I complained, he said, " you expected to access your credit report FOR FREE?! '' He then proceeded to tell me that if I wanted a free report to go to XXXX, despite the fact that I had started the phone call explaining that I had already tried that. 

I am afraid this issue could ruin my potential to own a home at no fault of my own. They clearly have inaccurate information on my credit report, which could impair my ability to obtain a loan, so they should be the ones to fix it. I should not have to pay to do so.
Complaint sub-issue: Reinserted previously deleted info

An account was disputed and removed In XX/XX/2017. it was reinsrted in XX/XX/2017. I do not owe XXXX, XXXX has not supplied any validation of amount owed.
Complaint sub-issue: Debt was paid

Collection Agency Abuse of Powers. 
Capital Collections has reported XXXX collection of medical co-payment and both the payments were made in full on XX/XX/XXXX, immediately when I was notified. ( Account # XXXX and XXXX ) Recently, ( XX/XX/XXXX ) I had contacted Capital Collections requesting to delete the collections from the report since, this something that happened due to my unawareness and payment was made immediately when we were notified. I am in the process of buying a home and I spoke to Manager, XXXX XXXX at Capital Collection, he was intimidating and refuses to delete an account that is paid in full 5 years back. This was minor amount my medical co-payments. XXXX XXXX was rude, intimidating and threatening in his tone and cuts telephone during conversations. I have attempted to speak with him several occasions. This is absolutely abusive of power. We have many agencies that are deleting minor accounts that has less amounts and are paid in full. XXXX XXXX representing Capital Collections did not exhibit any behaviors in line with federal Fair Debt Collection Practices Act. I need help and hence reporting. 
Sincerely, XXXX
Complaint sub-issue: Unable to open an account

Citibank failed to open a new account in the stipulated timeframe, moreover, the account holder was notified on XXXX XX/XX/2021 that the account has been opened and a debit card and the welcome kit are on the way. New Account Application XXXX XXXX Citibank representative ( XXXX XXXX failed to justify the reason for delay when contacted after 10 days i.e. on XX/XX/2021. 

The whole tactic was played to avoid the promotion bonus mentioned below. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Complaint Number - XXXX * above complaint number provided over the call by Citi phone agent - XXXX on XX/XX/2021.
Complaint sub-issue: Reinserted previously deleted info

EQUIFAX HAD REMOVED THE XXXX WEB BANK BECAUSE I HAD SENT IN PROOF THAT THIS ITEM WAS TO BE REMOVED ONE I PAID IT. BUT THEY TOOK IT OFF THEN PUT IT BACK ON
Complaint sub-issue: Information belongs to someone else

these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX CRED Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

14. Identity Theft JEFFERSON CAPITAL SYST Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
Complaint sub-issue: Account status incorrect

There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.
Complaint sub-issue: Debt is not yours

this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX: an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX: an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX FACTUAL DATA INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX  DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT
Complaint sub-issue: Debt was paid

I took out a payday loan with XXXX almost 10 years ago and it fell into collections. I settled the debt with a third party over 5 years ago and the ghost debt has been passed around to various shady debt collection businesses using illegal collection practices ever since. Even if the debt was still owed it is outside the statute of limitations for collections. Myself and several people connected to me received harassing text messages this morning from XXXX from BHA Services ( XXXX ) trying to collect this unowed debt. This needs to stop!
Complaint sub-issue: Problem with rewards from credit card

Complaint # XXXX has all of the details. Please reference that. U.S. Bank was supposed to send me a Visa gift card worth {$100.00} to make up for my aforementioned complaint, and instead they sent me a card with only an {$85.00} balance.
Complaint sub-issue: Debt was paid

I had XXXX loans with AES that were paid off by XXXX XXXX XXXX XXXX XXXX. I paid out the amount that was told to me by AES was to total due to pay XXXX loans in full, I then submitted that amount to XXXX XXXX who issues a payout to AES and became the note holders on my loans. Around XXXX of 2015 ( XXXX yrs ) I begain receiving notice from AES that I had a balance due in full to them which included XXXX yrs of interest. I had not received any notice before then that I had a balance or there was any balance outstanding. Both XXXX and I have attempted to contact them and sent them multiple documents indicating the transfer of the loan. They have now sent my account to PHEAA Default Collections and the debt is now on my credit report.
Complaint sub-issue: Deposits and withdrawals

I XXXX got money depsoited to my acct from a loan ... once the money got deposited to my acct i started withdrawing some of the money ... then they stoped me with drawing the money blocked my acct sent me to the fraud department..asking me all types of questions ... and very rude customer service ..which i know for a fact XXXX of the agents was very XXXX in so many ways she didnt even hide it the way she was asking me questions and harrasing me about my acct to where she blocked it ... .i been going back and fourth with these people to release my funds and unblock my acct... nothing has been done its going on about XXXX now ... every time I call them ..the call is always recounted to another country ..no one can answer my question and they keep hanging up on me cause no one can help
Complaint sub-issue: Information belongs to someone else

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