Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

In XX/XX/2017 I purchased a car from Volkswagen. The car is a XXXX XXXX. The agreement on my wrist contract that I signed at the Dealer was a 3.4 apr going through my contract on the website that I used they have it at a 4.5. So after calling the VW credit and bringing it to their attention. He stated that I signed that contract which I know for a fact that I didn't. He went on to send me the contract they have on hand. As I'm comparing the two contracts it clearly are 2 different contracts. Meaning that my information was still forged into this bogus contract.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! - An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. - An account that I had removed XXXX XXXX  XXXX was back in my report! - Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! I demand an explanation of the miss handling of my report immediately and my account to be corrected. I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXXXXXX  to be corrected as OWNER and NOT Authorized user. I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Auto XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Sys # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX all 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 account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to the tool made available by Equifax Inc. my information has been impacted by this cyberattack, including my SSN, date of birth, address, and possibly my driver 's license number.
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX only reported to XXXX ), and XXXX XXXX XXXX XXXX reported to ( XXXX & Equifax ) has violated my rights XXXX 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 an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a letter to XXXX  requesting they either send me proof for the following inaccurate items on my credit report : Item : XXXX XXXX, XXXX. 
Account # : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Account # : XXXX Reason : Not My Account Item : XXXX XXXX XXXX closed ) Reason : Not My Account ( Attached is documentation from XXXX stating that after conducting their investigation they discovered that this collection account is not my account and it was deleted, so I would like for it to be deleted from your records as well ). 

I stated I need documentation that these accounts are mine since they are being reported on my credit report. I also stated if they did not respond to my letter within 30 days of me sending the letter out, these items would have to be deleted for not providing proof. They still have not responded to my letters so that is the reason I am reaching out here today. I would like the following above items removed from my credit report if they can not accurately provide proof that these accounts are mine.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2022 after attempting to access Equifax credit report on the myEQUIFAX website, the system redirected me to call EQUIFAX at XXXX  ( XXXX ) EQUIFAX with a system error NH EQUIFAX stated that there was no history of me every having any credit or active account and/or history and that the error code NH states internally that there is credit NO HISTORY My entire 22+ year credit profile has gone missing, shortly after filing a complaint with CFPB on XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number: XXXX I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to the three big credit bureaus XXXX, Equifax, and XXXX on XX/XX/2022 about five items in my credit report ( letter attached ) and these are the tracking numbers : Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I got my results from XXXX and XXXX removing some items but failed to meet my request of showing proof of validation on ones they didn't as mentioned in the letter that I sent them. Equifax removed some items but failed to notify me about the verification and did not send me a credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection. I've had insurance for past 10 yrs. 
Thank You
Complaint sub-issue: Was not notified of investigation status or results

Equifax had a major security breach and my personal information was stolen.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : CITI XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX has continuously tried to collect on old debt. Even after being disputed ( they could not validate the information ) and being removed from my credit report, 2 years later it randomly shows up again on my XXXX credit report with misleading and incorrect information.
Complaint sub-issue: Debt is not yours

I received a phone call today from XXXX, it was an automated message stating my fiance, XXXX XXXX, owed a debt and it threatened court action if it was not settled. I remained on the line to speak with someone about it, and a guy came on the line and asked for a dispute number, I did not have one, so he put me on hold to look up XXXX XXXX. When he came back I was told that he owed overdraft fees of a US Bank checking account of {$1100.00}, and that with interest it would be {$1600.00}. I was told that a settlement letter was sent to our address 2 weeks prior to this phone call, and that after today, they were taking this case to court and after he would owe {$2900.00}, or we could settle the matter with {$1000.00}, but it had to be a cashier 's check or money order. The guy, who identified himself as XXXX XXXX, said he would put the case on hold for 2 hours, and sent me an email with a docusign document to sign and send the payment in with, I will not upload or have it faxed, I can not see the entire document. I spoke to XXXX about this, and he called US Bank who confirmed that this bank account was closed in 2013, there are not debts owed. I checked the Law Firm listed in the e-document, it is a vague website XXXX, and the phone number listed XXXX is listed as a scam online from many complaints. We are choosing not to respond any further to the phone calls, letters, or e-documents. XXXX XXXX knew our address and the last 4 digits of XXXX 's SSN.
Complaint sub-issue: Personal information incorrect

THE PREVIOUS ADDRESSES AND EMPLOYERS ARE NOT FACTUAL I NEVER LIVED THERE AND WORKED THIER, PLEASE REMOVE NOW
Complaint sub-issue: Debt is not yours

XX/XX/XXXX - I obtained a FICO XXXX  credit report. On this credit report, XXXX XXXX XXXX lists a debt in collections for the amount of {$610.00}. They claim that the original creditor is XXXX XXXX and that the debt was assigned to XXXX XXXX XXXX on XXXX XXXX, XXXX. They list an account # of xxxxxxxxxxXXXX. I have never had an account with XXXX XXXX and didn't know what to do. 

On this same day I met with a financial professional provided by the Department of Defense to assist servicemembers with their finances. This financial professional called the fraud department at XXXX XXXX with me. The fraud department searched for any unpaid debt under both my name and social security number and found no evidence that I have ever had an account with XXXX XXXX. Since there is no record that I have ever had an account with XXXX XXXX, I do not owe them any money.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending written correspondence to XXXX and EQUIFAX since XXXX of this year regarding this closed account, XXXX The company is showing 1 late payment. 

I contacted the company in XXXX and they were courteous, but unable to assist. I believe it something to do with the company 's name changing or not being able to access my records. 

I asked that XXXX and EQUIFAX look into it and provide the documents to support the late payment being reported on my credit report. To date, I have not received the documents or official results of what actions XXXX and EQUIFAX took to ensure the accuracy and completeness of the data that is being reported.
Complaint sub-issue: Account status incorrect

On XX/XX/2022 I started dispute processes with XXXX, XXXX, and Equifax to dispute the 16 open XXXX XXXX accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with XXXX XXXX who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called XXXX XXXX in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. XXXX XXXX has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to XXXX  out the balances with XXXX XXXX and closed the accounts. Equifax has failed to correct my credit report because XXXX XXXX is reporting to them that I still have a balance with them and that the account is still open, this is false, although my XXXX XXXX website dashboard shows loan balance as {$0.00}, XXXX XXXX is still reporting inaccurate information as if my student loans are still held by them and their not.
Complaint sub-issue: Was not notified of investigation status or results

Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about DIY credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.
Complaint sub-issue: Attempted to collect wrong amount

So I was called by XXXX XXXX XXXX XXXX XXXX while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do {$50.00} I was told the minimum amount would have to be {$100.00} so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I had to cancel so I called back a day before. This time I talked to someone new. This time I was told since I could n't do {$100.00} could I do {$50.00}? I was a little aggravated because I felt lied to but I let it go and agreed to be charged for {$50.00} to keep the settlement. The next day I was charged for {$100.00} anyway. I called and was very angry and I was told it must have been a glitch and they would put in a refund request that would take 3-4 business days but this is a big inconvenience because now I ca n't pay my car note on time. Later that same day they called me and said good news that the refund request went through they would cancel the {$100.00} and only charge me {$50.00} I said thank you and later on that night checked my account and I received no money back but was charged another {$50.00}. This is {$150.00} XXXX times the amount I told them to take.
Complaint sub-issue: Information belongs to someone else

I am an authorized user on my mother 's credit card and it is showing on my credit report as a balance that I am responsible for
Complaint sub-issue: Their investigation did not fix an error on your report

I have been in XXXX two times as XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the XXXX in XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the XXXX XXXX until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to XXXX/Equifax/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the XXXX. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the XXXX. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to XXXX that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.
Complaint sub-issue: Information belongs to someone else

Okay! What Im not understanding is why Ive had to contact and write Equifax several times regarding this account. 
XXXX XXXX ACCOUNT # XXXX Opened on XX/XX/XXXX {$350.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Equifax has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Equifax This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Equifax several times to advise them on unauthorized account access.
Complaint sub-issue: Debt is not mine

I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.
Complaint sub-issue: Debt was paid

Credit report showing Ehanced Recovery Company reporting as of XX/XX/2021 {$440.00} XXXX XXXX debt ; however, debt was sold and paid with another company, XXXX XXXX XXXX. We have contacted Enhanced Recovery Company and they ignore deletion requests. They admit they no longer own the debt and that debt was recalled by XXXX ; however, they ignore requests to delete this from my credit report
Complaint sub-issue: Debt was paid

I had a Macys account that was closed. Due to my husband job loss. This account was covered up on the insurance benefit that Macys offered. About a claim in 2017. The insurance company approved the claim. However they have not processed a payment because they say they do not get the proper work from Macys. Ill forward the information to Macys Macys sent me a letter. The letter clearly support my claim. Maces and the insurance company is refusing to except responsibility. In the meantime my credit has been severely damage. Please review and advise.
Complaint sub-issue: Didn't receive enough information to verify debt

I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Funds not handled or disbursed as instructed

Deposited {$5000.00} into new checking account approx 2 years ago. No activity with the account until XX/XX/22 when I contacted customer service to make sure the check I was writing would not bounce because of the inactivity. They told me my account was restricted. I was on the phone on XX/XX/22 for 1 hour and 20 minutes trying to get the account unrestricted to no avail. On XX/XX/22 I made and received 4 calls for a total of 58 minutes when I was finally told the account was unrestricted and I also sent by XXXX an additional {$3000.00} to this account so I didn't go below the minimum to avoid fees. The check I wrote was for {$2000.00} as earnest money for a real estate transaction and I was informed that the check bounced. On XX/XX/22 I spent another 40 minutes trying to find out why they bounced the check and again no real answer but I was finally told the account was unrestricted. However, on XX/XX/22 I tried to send money through XXXX and the transaction was rejected by Citibank for no reason. There are no physical branches in Michigan where I can try to get help. Each time I call the customer service they just say they are checking, sorry for the wait, please hold for a few more minutes, and they they come back and repeat this same sequence. I am pretty sure I am not talking to anyone in the U.S. and I wonder if any of this is legitimate. I want my money NOW and want my account closed because I will never do business with Citibank again.