Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I first found the collection company reporting on my Equifax credit report. I disputed it with Equifax on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my Equifax Report. I am requesting that XXXX be removed from my Equifax credit report.
Complaint sub-issue: Information belongs to someone else

I have recently informed that there is negative information being reported by Credit Bureau under my social security number. On XX/XX/2020 this account XXXX XXXX XXXX in the amount of {$3300.00} was reported to my credit report. Please advised that this reporting is incorrect, error, or fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

This item was removed by all credit companies and is now showing back up on my credit report. Please remove this item. Its not mines Documents have been submitted over 10 times. This item was removed and they passed it to a different debit collector. The item was removed for fraud. So they cant do that.. PLEASE UPDATE MY PERSONAL INFO AS WELL
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX Bank ( XXXX ) Account # XXXX XXXX ). XXXX Bank ( XXXX ) Account # XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

FRAUDULENT TRADELINES WERE ATTRIBUTED TO MY CREDIT PROFILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF
Complaint sub-issue: Attempted to collect wrong amount

After over a year of my XXXX account being closed and being told by the store manager my account had a XXXX balance, XXXX without any prior communication placed a collection of my credit report for {$670.00}. I contacted them starting XX/XX/XXXX and spoke to numerous personnel including managers and was told my equipment had not been returned. I informed them that it 100 % was, and why would I need an old phone with no value. We later confirmed with the store manager on a conference call that they located the phone by an ID and it was in a warehouse. They then changed the story to state that now the collection was from fees and early cancellation, which it was not cancelled early. I had contacted the local XXXX ( XXXX ) store to verify when I was allowed to cancel without penalty and I therefore waited to do so until that date. XXXX sent the collection to XXXX XXXX where I disputed the amount and it was deleted. 3 months later in XX/XX/XXXX XXXX placed it again with a new company ERC. I contacted ERC and provided documentation of the previous deletion on XX/XX/XXXX, and ERC will not remove the account now.
Complaint sub-issue: Need information about my balance/terms

Key Bank Collection Settlement called and asked to set up a payment plan because my loan had defaulted ( I did not default, I filed for bankruptcy and was told that immediately defaults this loan ). I agreed to making a regular monthly payment. I have repeatedly asked for a statement with the current balance and payment history and have not received one for months, although I continue sending payment for fear of defaulting. I believe my right is to receive written notice of the balances.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized/fraudulent inquiries on my Equifax report and even though I 've sent letters to each of these Companies and Equifax but I get no response, and it has been 3 months. I have attached a list inquiries which should not be on my Equifax Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I believe, that my personal information was stolen by somebody and I was victim of Identity Theft.
Complaint sub-issue: Can't use card to make purchases

The credit card company did not report my information correctly to the credit bureaus. Disputed the information and they requested Drivers License, Social Security Card, Utility Bill, Identity Theft documents. These were faxed in. 

Just received a letter indicating that they closed my account because they did not receive the information. Called them today and they indicated they did receive all the information however they couldn't read the drivers license so they closed my account. They didn't call or attempt to get any updated information. 

CALL LOG with XXXX XXXX : XX/XX/2018 @ XXXX - XXXX in customer service. Let him know I got a letter in the mail that looks suspicious asking for Drivers License, Utility Bill, Social Security Card. He beleives that this is in relation to the Identify Theft that occured and they need a copy of the report to verify my identity. He is double checking to be sure this is what it is regarding. 

We need all this information again because your account is being held due to XXXX account dispute. He indicates to fax the items to ( XXXX ) XXXX. 

He indicates that to remove derogatory remarks the request has to be done via fax to them or by the credit agency. Let him know I fulfilled the request by their organization when they asked and they still have not removed it. " I'll see what I can do ''. 

XX/XX/2018 @ XXXX - XXXX indicates she will give me the information to remove. Either by mail or with the credit reporting agency. She indicates to write in requesting XXXX and address to XXXX XXXX or XXXX XXXX. First Last Name, last 8 of card number. There was a remark on my credit in X month and X year. I would like to have this adjusted to improve my credit score. Indicate that I am trying to get an auto loan. 

XX/XX/2018 @ XXXX - XXXX in customer service indicates she sees all the information but the drivers license was not legible so they closed the account out and it's currently on hold. She indicates that they can not in her department can not remove this and the account is closed. {$300.00} deposit will be returned within 10 weeks. 

She has sent an escalation to upper management requesting to re-open the account. Requested to send in the drivers license and the copy of the Identity Theft report and they will try to re-open the account.
Complaint sub-issue: Reporting company used your report improperly

On XXXX/XXXX/2017, Equifax reported that they had been hacked and that the social security numbers, birth dates, names, and addresses of 143 million consumers were leaked. Using Equifax 's online tool, I discovered that my information may have been breached. I requested an enrollment date for their credit monitoring services ; however, since making the request, numerous online articles have reported that enrolling in the free year of credit services forces the end user into an arbitration clause which hinders the user 's right to be part of a class action lawsuit. I believe, that although Equifax is equally a victim, that they are ultimately still responsible for the breach due to failure to properly secure themselves. I will likely forego their free credit monitoring service in order to avoid being forced into an agreement that I would otherwise not consent to.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a dispute letter to XXXX to validate and delete XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.
Complaint sub-issue: Investigation took more than 30 days

Equifax has failed to adequately validate or verify a medical collection debt " XXXX XXXX XXXX XXXX XXXX '' on my credit file. I have disputed this collection multiple times with Equifax online tool, which comes back verified within days. I also mailed a debt validation letter to the collection agency with XXXX tracking XXXX with no response or deletion of the bogus collection. I also sent a copy of the debt validation with another dispute to Equifax with XXXX tracking XXXX with no response or deletion of record from my credit file. Please see copies of all correspondence in the attached file section Confirmation number : XXXX - 2 days to " verify '' Confirmation number : XXXX - 4 days to " verify ''
Complaint sub-issue: Their investigation did not fix an error on your report

Recently XXXX XXXX  XXXX wrote back to me, and addressed my concern about a false paid charge-off account in my name and I was told to forward that letter to XXXX and Equifax ... XXXX  and Equifax still will not remove or correct it ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX   verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX has sent another debit to XXXX XXXX XXXX. I have already filed a dispute in the past that the XXXX debit is not authorized by me. My oldest son had falsely opened the cable account in my name. I'm getting frustrated that they keep sending this account to collections and I have proven that I am still a current user with charter and that account was not opened by me again.
Complaint sub-issue: Threatened to sue you for very old debt

Account is not opened like the Conns company claims. Debt being updated as open every month since 2014. It's been more than 7 years and debt was even charged 5 years ago. Conns is still trying to collect unknown amount which is hurting my credit. I am about to be XXXX because of this collection that continues being updated.
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21.00}XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$320.00}.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX, I contacted N26 to alert them my account had been hacked and all transactions from XXXX up to XX/XX/XXXX were fraudulent, including the address change and the ordering of a new debit card. The rep told me that account would immediately be locked down and I would not be able to access it during then investigation and that I will be contacted with an update soon. On XX/XX/XXXX, I sent them an email stating I could still access my account and if I can do so, the hacker could as well. I asked for an update on the dispute and wanted to know why my account wasnt locked down as told. I contacted them again on XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX I received an email that my account has been closed. I contacted them again on XX/XX/XXXX and XX/XX/XXXX regarding the account closure, investigation update, and provisional credit. The responded on XXXXwith an affidavit to complete which I returned on XX/XX/XXXX. I have followed up again on XX/XX/XXXX and no response of XX/XX/XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/2020, I sent {$280.00} using the Cash App app to a person to purchase tickets. Almost immediately after, the user blocked me on multiple platforms and I was unable to contact them. Knowing I had been scammed, I attempted to use the " refund '' option on Cashapp. They have not responded to this. I contacted Cash App, and was effectively told to XXXX off. XXXX  XXXX XXXX has told me to contact Cash App and I am unable to find a resolution to my issue. This person is now {$280.00} richer while I'm struggling to find a resolution to my issue.
Complaint sub-issue: Didn't receive enough information to verify debt

I wrote several letter to this company about multiple medical accounts. I have not received any information from this company complaining to the letter that was sent. I asked them to verify that the debt belongs to me. I also explained to them it is against the HIPPA to share my medical records with anyone. It is also against the law to sell or share medical records.
Complaint sub-issue: Was not notified of investigation status or results

I have new information regarding CFPB complaint # - XXXX, XXXX, XXXX, XXXX, and XXXX. I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Equifax a letter on XXXX letting them know that I have handled this account and asked them to remove it. Equifax still have this company reporting negatively on my consumer report willingly and knowingly. Equifax is in violation of 15 usc 1681.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Frequent or repeated calls

This company continues to call every XXXX15 minutes even after I 've already talked to them and told them when I 'd be making payment. My account is not even 30 days late, it is only 2 weeks late. I 've tried to schedule a payment for the XX/XX/XXXX but they will not take it. They call all hours of the day and night. It is interrupting my work schedule.
Complaint sub-issue: Threatened or suggested your credit would be damaged

My husband received a letter dated XXXX XXXX from a Collection agency ( afni ) stating that he owed {$640.00} to XXXX XXXX XXXX. In the letter they ( afni ) indicated that they were willing to accept {$420.00} to resolve the account. 
In the second paragraph they ( afni ) indicated that unless we notified their office within 30 days of the notice they would assume the debt is valid. And if we did not dispute the validity of the debt in writing within 30 days they would obtain a judgement and mail us a copy of the judgement. 
We are very suspicious of companies trying to scam people and try to get their personal information. 
The issue is -- - my husband has never had an individual account with XXXX XXXX XXXX. 
On XX/XX/XXXX we contacted the billing department with XXXX XXXX XXXX and I spoke with an XXXX. XXXX researched our current account with XXXX XXXX XXXX and could not see any evidence of a past due amount. He transferred me to the XXXX XXXX at XXXX XXXX XXXX. I spoke with a XXXX. He pulled up the XXXX XXXX XXXX acct. number and asked me what the passcode was for the account. we told him we didn't know a passcode as we did not have that account. He could not give us any information about that account like DOB or any other information for the person other than my husbands first and last name. he kept asking for the passcode and we kept telling him we did not know the passcode for that account. Today XXXX, we went to an XXXX XXXX XXXX XXXX - they were able to look up that account for us and told us it was cancelled on XX/XX/XXXX. He helped us get a passcode and the security question and the email address, which was for a email that we did NOT know. The XXXX of the XXXX XXXX XXXX XXXX told us that the account was an XXXX XXXX account ''. We don't even know what that means. He told us he didn't have the authority to correct the situation but to call the fraud unit at XXXX XXXX XXXX and tell them all the information and they could stop the collection agency. When we got home my husband called XXXX XXXX XXXX asked for the Fraud unit and it just directed him to the XXXX XXXX XXXX website. Needless to say we are being given the run around by XXXX XXXX XXXX and can not get this stopped we don't want to call the AFNI collection agency as we do not want to give them any of our personal information as we believe this is a phishing scam. But we also do not want our credit ruined by this falsehood. Any help you can give us would be greatly appreciated. Thank You.
Complaint sub-issue: Company closed your account

Have been having major issues with Citi Bank with my credit card since XXXX of 2022. They recently closed my account due to XXXX payment being returned. When asking how do I dispute it they stated to me that I needed to wait for the closure letter in the mail, I stated that I had moved from CA to AZ so can we update my address and resend the letter they stated I need to wait for the letter to be forwarded. That they cant update my name to my married last name nor my address since the account has been closed. Finally I got the letter between XXXX XXXX about the account closure. I went ahead and did what the supervisor told me to do and mail back the letter with my supporting documentation that shows the bank account was still open in which I did the same day I got the account closure letter. On XX/XX/XXXX I called to see if they had received the letter since It had been XXXX weeks and I still hadnt heard anything from CitiBank via, Phone, email or mail. When I called in the representative stated they received the letter on the XXXX the same day I called in and that it will take them a couple of days to review it. I called back on XX/XX/XXXX to see if theyve come to a decision. When speaking to a representative she told me sir you need to wait XXXX calendar days for us to make a decision I told her well you guys got the letter on the XXXX so whats the decision? She then stated that I should have a decision within the next couple of days. XXXX to XX/XX/XXXX I got an email stated they are keeping the account closed since its been to long since the accounts been closed that I had 60 days for the appeal process. I called and talked to a supervisor and they said theres nothing they can do even though I turned in the documentation within the 60 days and theyre the ones who went out of there on 60 day statuette.
Complaint sub-issue: Account information incorrect

I am desperately trying to fix items on my credit report. Equifax is DRIVING ME NUTS. 
1- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 2- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 3-they have my bankrupt from XX/XX/XXXX listed at XX/XX/XXXX. which HELLO why would that even say that -- - but i 've asked now THREE times to have this corrected. 
4- they have my bankruptcy from XX/XX/XXXX listed as " A '' liability - ive asked THREE times now for this to be explained and corrected. the other two bureaus list this as " 0 '' 5- i have SO MANY " unknown '' collections on my account. why do they list it like this???? equifax is NOT ANSWERING my requests ... yet i have this blood bath of collections on my account that say '' unknown '' -- -so as an " unknowN '' they must not be accurate bc they do n't know who they are. SO DELETE THEM 6- In response to the letters i send disputing items on my report - equifax keeps sending me emails. I did n't give them my email address. HOW do i know its even them emailing me. they are supposed to send my dispute information in the MAIL. I mailed them. i did n't email them. and again HOW did they get and subscribe me to a mailing list when i did n't even give them my email address??? violating spam laws anyone??? 

Equifax is a disaster. they have no idea what they are doing except for destroying peoples lives they should burn all the documentation they have and START OVER.
Complaint sub-issue: Their investigation did not fix an error on your report

This account XXXX XXXX**** has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactor reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Complaint sub-issue: Attempted to collect wrong amount

The XXXX XXXX. Trying to collect XXXX for carpet damage. They already kept my {$400.00} deposit. I lived there ( XXXX XXXX  XXXX XXXX XXXX XXXX ) for XXXX  years which carpet should be replaced. 
Most all apartments would replace this after someone lives there for this many years. 
Deposits are made to cover damages. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX