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

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX XXXX XXXX XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
Complaint sub-issue: Can't use card to make purchases

Citi AA CARD WAS CLOSED without my consent, after talking to citi rep they said i requested to close account but i did not & they claim to receive a third party letter on my behalf to close account & the account no. on that letter do not match with my credit card with citi & now to reopen citi wants to do a hard pull on my credit which is not acceptable as citi made error in closing my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The following is an email I sent to Equifax today XX/XX/2019. Regardless of their response, I believe it is important to note the redundant Personally Identifiable Information that they request just to get back into their online venue. 

Dear Equifax, Recently I disputed an item online. Days later I received an email saying that the dispute was resolved and I should get back online to see the results. Upon trying to get back into myequifax, I input the wrong password twice - this locked me out of my account and gave me a toll-free number to call. Upon calling, I was tied up by the robot for 5 full minutes ( I timed it ) while you confirmed my identity, with a bunch of questions including information we are not supposed to give out over the phone to anyone according to your own safety advice ( ie Social Security Number and Birthdate among other PII ). Finally, I was connected with a representative who attempted to get all of the same information from me once again - but this time it was a foreign person and I felt much better giving the info to the robot than another person. His identical questions made me question everything he asked because I told him time and again I simply needed my account unlocked. The reason for me getting into my account should not be any of his business but he would not unlock my account without the exact reason why I was trying to log in. 
This is truly unbelievable. Equifax should be the most responsible company on the planet yet they continue to pry additional information far beyond anything that is needed for American Commerce. And two tries at a password that has not been used in weeks is outrageous. You folks owe me the response as well as some compensation for the time it has taken me to deal with this - and still without any information. 
Please mail me the response I was attempting to get or otherwise make this right. I am sick and tired of trying to fix errors in my reports. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX And you don't need anything else to identify me!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX XXXX bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted. 
I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-Capital XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX transunion, XX/XX/XXXX experian, XX/XX/XXXX equifax which shows different opening dates which are inaccurate, XXXX reports no data for the history of payments, XXXX reports the account being charged off, Equifax reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX Bank XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. XXXX is reporting this account with no data. XXXX is reporting as charged- off and equifax is reporting as OK. All 3 credit bureaus must rert accurate data. XXXX, XXXX and equifax can not report different payment data. It has to match. The date of last activity is different from transunion XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My statement of XX/XX/XXXX to XX/XX/XXXX showed an item of " XXXX XXXX XXXX {$490.00} '' adding to my statement. 

The first time that this {$490.00} showed on my statement was in XX/XX/XXXX. And I didn't recognize it, since it was saying the {$490.00} was for XXXX, but I never had a XXXX account. And I was in XXXX during the period of XX/XX/XXXX to XX/XX/XXXX and I couldn't use this card in XXXX. Clearly, it was a fraud. 

I reported this dispute of {$490.00} to the bank and they were pretty helpful and gave back my money. 

But on my XXXX 's statement, this {$490.00} together with other transactions ( I recognized and paid for those ones ) showed again. 

I called the bank. They told me after investigation, this transaction was made by XXXX and the bank didn't recognize it as a fraud anymore. BUT, I don't even have XXXX and I wasn't able to use Discover Card in XXXX. 

The bank told me that they would go through another investigation of my case. It has been two months since I reported the issue. And I haven't had any feedback from the bank yet.
Complaint sub-issue: Was not notified of investigation status or results

This letter is formal notice that Equifax have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

1. This account is incorrect status, balance is wrong. 
XXXX XXXX Please remove it from my credit report. I was never late on this account. Amount of limit is wrong.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX. I have a small clothing shop which I use my house as an office and I use square to process payment for my customers. 

Last year, customer made payment of over {$3000.00} and I was able to ship her products to her and she received it, but square has not released my funds to my bank account. 

I contacted square since last year to get this resolved but they have nut emailed me back. 

XXXX said they needed documents including my ID and my business name registration certificate. I sent them my ID and told them that my business is a shop and I haven't registered with certificate. 

During this pandemic, I manage my shop to get paid and feed myself. 

XXXX all stolen {$3000.00} of my funds. 

I want square to deposit my funds in my bank account or tell me when they will deposit it rather than ignoring me with my hard earned money.
Complaint sub-issue: Their investigation did not fix an error on your report

as of XXXX XXXX, 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.
Complaint sub-issue: Overdrafts and overdraft fees

i got a call from CRC XXXX and gave me a number and reference XXXX, DDA XXXX, file XXXX stating that i did not close a checking account so they kept charging me overdrafts instead of cloing the account. they are suing/civil me for a default on the account not being closed and they are going to arrest me and then garnish my wages. there should be no default, i never borrowed any money from the bank it was used to deposit child support and alimony checks only. i need help because this account is from XXXX/XXXX/2006 how can this account even be in collections and it does not show on my credit report either? sincerely XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2017 The news reported that there was a security breach at Equifax affecting over 148 million Americans. According to Equifax 's website, I was affected and am filing a complaint in regards to this breach.
Complaint sub-issue: Need information about your loan balance or loan terms

I am attempting to qualify for the Public Service Loan Forgiveness program. I believe I have made my 120 payments. My loans were consolidated with XXXX XXXX in XXXX of XXXX. According to my studentaid.gov account I can see that my loan status was in repayment as of XX/XX/XXXX. My servicer at that time was XXXX XXXX XXXX XXXX, until it was transferred in XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX are not currently counting towards my PSLF according to FedLoan. They are listed as being under manual review. I initially requested this manual review in XXXX of XXXX and it has not yet been resolved. 

I submitted my application for PSLF this month, because if the payments from XX/XX/XXXX through XX/XX/XXXX are included I have now met the 120 payments for forgiveness. FedLoan 's response was that I currently have 108 qualifying payments because those 12 are considered ineligible. However, they have not yet determined if they are eligible or not since they are still pending manual review. 

I have no documentation available from XXXX XXXX XXXX XXXX because it no longer exists and all of their email communication just directed me to my inbox on their website. I do have my bank account statements showing my payments from XX/XX/XXXX through XX/XX/XXXX and can possibly request older ones from my bank if they still have them. I do know that I was on the income-based repayment plan at that time. 

When speaking with FedLoan to resolve the issue I was told that the manual review from XX/XX/XXXX is still in process and they are still waiting for information from my previous servicer. They have no indication on how long this can take, but indicated that 18 months is not the longest they have seen it take. My servicer that has the information they need is 3 servicers ago, so I don't think that contacting my most recent servicer will get them the information even if they wait another 18 months. The information should be available to the federal government since it was the XXXX XXXX organization that was directly servicing my XXXX XXXX at the time of consolidation. 

My student loans should be able to be forgiven at this time as I have made my 120 payments on appropriate payment plans. I think it is unacceptable that FedLoans can take 18  months to review this information without them having any more efforts to resolve the concern.
Complaint sub-issue: Threatened to take legal action

I was contacted by the XXXX XXXX XXXX who evicted me because I reported and filed police reports because of safety issues. There was a man stalking my apartment and my XXXX young boys and after repeated notifications to the apartment complex they did nothing to help me. They even stated their cameras were not in working order so they could not catch the suspect on camera. I attempted to move to a higher level because I was on the ground level but was told I would have to pay a new security deposit and month 's rent before the transfer could take place. The apt complex knew I did not have the extra money to move because I was a single mother and recently lost my job. Despite everything that I was going through, I made attempts to pay what I could my last month of residing there ( approximately XXXX 2015 timeframe ) and my money was accepted, but I was still evicted. I then received a bill for over {$1700.00} stating that I needed to pay for the remainder of the month in which I was evicted as well as the upcoming month because I had voluntarily left the property. This is absurd. When I contacted the debt collector, they had stated that they had no recollection of eviction and their client, the apt complex had informed them that I voluntarily moved out and that I owed rent as well as replacement of carpet fees worth over {$1000.00}. They kept my security deposit and sent me a bill which was surprisingly already on my credit report being reported as a collection. This has ruined my credit and I want justice. They did threaten to take legal action and hired this attorney 's office which is the one reporting this false debt.
Complaint sub-issue: Information belongs to someone else

There are several inquiries on my credit report that I did not recognize, and I did not give these companies permissible purpose to pull my credit. I have disputed them directly with the credit bureau and have not gotten a satisfactory response. I have reach out to the companies listed as having made the inquiry and they stated they would not be able to help me since I do not have an account with them. These listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. 
never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 



Below are the inquiries in question. 


XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.
Complaint sub-issue: Problem with fraud alerts

I have notified Equifax multiple times by phone of being a victim of identity theft since XXXX XXXX. In my hurry back in XXXX XXXX I paid them the {$10.00} dollars to place a security freeze on my credit file, which they done. However when I needed that freeze to be temporary lifted I was told by their website and on the phone that I failed to prove that I was victim of identity theft. So I fax and mailed to the address that they told me to the required documents on XXXX XXXX, XXXX. After doing so I went to temporary lift my credit freeze two months later only to be told again that they never received the documents, but when I have them search for them they find them and then claim it 's not their department to handle and transfer me to another and another. Then one person will say, " I will lift the security freeze JUST this once for free ''! And the supervisor ca n't help because they " can '' t transfer the information over to the correct department ''. I live in california, and I was told by law I had a right to place, temporary, and permanently a security freeze on my file for free. But Equifax wants to continue to try to charge me money to protect my credit file. 
Also when notifying them of my current address they took two months to correct it, going back and forth with my previous address as my current address. I would n't be surprised to receive another letter saying they switch my current address to my previous address again. 
I have attached proof of their messing around and hurting me. I hope you can fix this with them.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX XXXX   and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so I called the Equifax XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX  ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.
Complaint sub-issue: Attempted to collect wrong amount

I sent IC Systems an affidavit of truth and invoice for {$12000.00} back in XXXX. They violated several laws under the FDCPA and have not sent a rebuttal to my affidavit, meaning it is true. However, they have not paid the invoice that they are now liable to and only sent me a letter saying the accounts were being sent back to who they came from. It's too late.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a collection/charge-off of {$1200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. This inaccurate reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Complaint sub-issue: Public record information inaccurate

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX  THAT IS REPORTING ON MY CREDIT FILE. THIS  INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.