Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

XXXX dispute XXXX filled XXXX/XXXX/XXXXXXXX dispute number XXXX filled XXXX/XXXX/XXXXEach time I dispute or ask of an investigation for items filled incorrectly on my credit report, i receive a results stating the items will remain and to contact the creditor. I also informed the reporting agency, each call to the creditor results in the creditor stating i should file a dispute with the agency. 

I also attached certified letters and responses from each company I disputed to no avail, some company not either responding, cooperating, or responding in the appropriate amount of time.
Complaint sub-issue: Information belongs to someone else

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX, XXXX XXXX # XXXX this is a error please delete at once. I have a FCRA XXXX, XXXX, XXXX DISPUTE for a late payment XXXX XXXX XXXX XXXX # XXXX this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX XXXX XXXX # XXXX in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Complaint sub-issue: Information belongs to someone else

Fraudulent hard inquiries on credit report and they want remove them Hard inquiry - XXXX XXXX XXXX   XX/XX/2019 -- -- -- XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I called Equifax twice in the past week trying to get erroneous accounts removed. I called and explaind that I noticed some unauthorized information on my consumer report that I would need removed under 15 USC 1681-3. Equifax assumed this role w/out my express permission or consent. Equifax did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to furnish my consumer reports. They offered to " File Dispute '' which I notified them of my right and asked for deletion immediately. I never authorized a " Dispute '' but it was initiated. Attached are the proof of initiation. The following information needs to be remedied immediately. 
My Personal information is incorrect. Any variance of my birth name of XXXX XXXX XXXX needs to be removed. Only my current address of XXXX XXXX XXXX XXXX NC XXXX should appear. 
Collections : Under new law medical bills less than {$500.00} can not be included on report. 
XXXX XXXX XXXX XXXX {$170.00} The following Inquiries were never authorized.. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX The following Accounts were are violations and needs to be removed.. 

XXXX XXXX XXXX  Acct # xxxxxx XXXX XXXX XXXX  XXXX Account # xxxxxxxxxxxxx XXXX.
Complaint sub-issue: Attempted to collect wrong amount

Original debt to XXXX XXXX was approximately {$450.00}. {$250.00} for early termination fee and a 1 month bill. Jefferson Capital Systems XXXX XXXX. XXXX MN is claiming I owe over {$4000.00}. A representative I spoke to on XX/XX/2022 stated there were late fees of over {$3400.00} charged within a 6 month period.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all XXXX companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been reporting a few more things on my report that was not mine with attempts open other ones. I call the companies they refer me to the credit bureau I explain the issue and they keep telling me they cant only sent a notification which I know that is not true. You can't keep reporting wrong fraud information. I am asking again that you delete the following things from my report XXXX XXXX CARD, and the following inquires EQUIFAX MORTGAGE SER, XXXX XXXX, XXXX - CARD SERVICE, XXXX XXXX, XXXX OF XXXX, XXXX XXXX, XXXX XXXX, XXXX. I have requested that this be fixed and deleted from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

I have sent this letter to the credit company stating that the collection agency has cancelled the debt and it should no longer be reporting but they refused to remove it from my credit report
Complaint sub-issue: Account status incorrect

Fed loan serving reporting incorrectly period the representative told me it would be removed and isn't. I will sue this company for not reporting correctly. Remove payments to never late or ill sue!!!
Complaint sub-issue: Received bad information about your loan

Im being over charged and could be homeless cause I cant pay my bills that I always pay with my income taxes my property taxes on my house but I cant do that without my money which most of it was earned income for mychildren
Complaint sub-issue: Debt was result of identity theft

Equifax I have disputed this account for 6 months with you XXXX, the XXXX CFPB, FTC, Attry Gen CA No one can get any evidence on this account that I made it or its mine inXXXX I filed a fraud alert as got a pin from the IRS because someone was using my information .Enclosed is copies of responses that show there is nothing. I know you claim you do an investigation but you can n't tell me that these goverment agencies can n't do better than you in a investigation because they get no response also. I contacted the FTC on XX/XX/XXXXby phone they had nothing to report also, REMOVE THIS ACCOUNT FROM MY CREDIT REPORT as you state if it can not be verified it is removed I don't by mean old information you use but by up to date investigtion as these companies have tried .Please do not send me a templetere3sponse THERE'S NO EVIDENCE THAT I MADE OR APPLIED FOR THIS ACCOUNT.REMOVE IT also any response will be forward to the CFPB, FTC
Complaint sub-issue: Personal information incorrect

I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable
Complaint sub-issue: Threatened to sue you for very old debt

I got this letter in the mail in early XXXX, well I 've already signed a contract where I can not devote any of the information while I am paying off a loan that could be connected to the one given here by XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have attached information pertaining to the problems with my Equifax credit report. I have been disputing these problems with Equifax and the associated companies involved for more than a year now and everything always come back as verified. The errors that I am reporting are violations and truly makes no sense but it is still reporting as Accurate and Verified. I am asking that all the accounts that I am seeking your assistance with be removed from my Equifax Credit report.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ATOMIC XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Problem with customer service

I have been trying for days to get in touch with Citi Card 's customer support with no success. All I need is for them to remove an authoried user - a request which they REQUIRE you to call customer service for, it can not be done online or through their app. 

It is a simple request, but has taken days ; last night I fell asleep waiting for them to finally answer. By the time an associate was available ( 3 hours later ) I had already fallen asleep because it took so long.

It is literally impossible to get in touch with a live human being at Citi Cards right now, even though they require me to for this type of request.
Complaint sub-issue: Problem lowering your monthly payments

I have attempted multiple times through chat, message, email and phone calls to lower my payments to an affordable rate. My payment was at an affordable rate and I was making payments on time, however that Income based plan ran out. I was required to apply for another plan. I can no longer afford those payments. I am at a loss of what to do know and I'm close to being in default.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX i received a letter from this collection agency about a townhouse i moved out of saying i owed XXXX dollars they are saying i renewed the lease and broke the lease early when infact i moved out when my lease was up and told them months prior i would not be renewing the lease i sent all this information including copies of all communication with XXXX XXXX XXXX showing that i terminated the lease well before the 60 days they still put this collection on me and my wifes credit reports causing my scores to drop this is illegal according to my lawyer who i have contacted i have sent this collection agency 3 letters now as well as emails showing the debt isnt owed and all they send me back is a copy of my lease saying automatic renewal when this cant be the cause because i terminated the lease almost 5 months before the lease was up so i am still owed my XXXX dollar deposit from XXXX XXXX XXXX that they are refusing to give back to me on top of them putting a bogus XXXX dollar collection my credit report.
Complaint sub-issue: Information belongs to someone else

About 30 days ago I submitted a dispute to Equifax regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. Equifax confirmed the debt, without validation as this is NOT my debt, I have never had business with XXXX and XXXX XXXX. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like XXXX and XXXX purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( XXXX XXXX XXXX ) two years ago, Equifax validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.
Complaint sub-issue: Report improperly shared by CRC

I reported it in XXXX of XXXX, it is still affecting my family and we have lost everything since the incident occurred in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the XXXX XXXX XXXX account with Equifax and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Equifax states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?
Complaint sub-issue: Problem getting my free annual report

I went to annualcreditreport.com this month to obtain my free reports. For the past 4 years, Equifax has been the only CRA that refuses to grant me online access to my report. They always deny access and instruct me to request my report in writing. Again, this is the fourth consecutive year. I complained about this once before ( a couple of years ago ) to CFPB, and Equifax mailed my credit report at that time. Please fix this.
Complaint sub-issue: Problem using a debit or ATM card

In the month of XXXX i opened a checking account and in the month of XXXX someone started making transactions with out having XXXX to my card. which makes me think that my card has been duplicated. The following dates are from the transactions that i did n't do and did not give authorization. 
XXXX XXXX transaction of {$35.00} XXXX XXXX transactions of {$32.00}, {$94.00}, {$100.00} XXXX XXXX transaction of {$61.00} XXXX XXXX transaction of {$100.00} XXXX XXXX transaction of {$230.00} XXXX XXXX transactions of {$32.00}, {$4.00}, {$240.00}, {$440.00}, {$87.00} XXXX XXXX transaction of {$12.00} XXXX XXXX transactions of {$32.00}, {$20.00} XXXX XXXX transactions of {$11.00}, {$41.00} XXXX XXXX transaction of {$34.00} XXXX XXXX transaction of {$34.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} In the month of XXXX, I noticed what was going on because i was going to withdraw money from my account and there was no more funds available for the amount of {$1500.00} that i needed.Therefore i went to the bank to get an explanation. The bank only told me that that they would only be able to respond for the month of XXXX and XXXX and they could n't do anything about the previous months for XXXX to XXXX. At that moment i asked for my account to be frozen and i was told that there was no problem with that and i was even given a new card with a new number. On XXXX XXXX i received a call from the bank around XXXX PM. In which i was asked if i gave authorization to a transaction of {$50.00} to which i said no. On XXXX XXXX i went to the bank with my daughter and spoke to XXXX. Who was n't able to give us any information in regrades to the call that was made the day before form there branch to me. Since she was n't able to give us any information she called the XXXX whose name is XXXX XXXX and asked her is she was the one who had called me. she said yes but that it was only to inform me that i was getting {$100.00} back for the month of XXXX and XXXX. Which is not true. I was n't told that at the time of the call. After that my daughter asked to see where in the system it said that the account had been frozen and XXXX said that there was n't anything indicating that the account was frozen. So i asked for my account to be frozen and to show me where it said that i wanted my account to be frozen. XXXX put a note on all windows that said that i could n't do any type of transaction unless i went to the bank personally until i gave the order for that to be removed. From there XXXX said that the bank was going to investigate but the investigation could take up to XXXX to XXXX days. Which i agreed to because this account is from my money and i trusted the bank. That is why i need to get my money back.
Complaint sub-issue: Their investigation did not fix an error on your report

As requested by Equifax for additional relevant information. ( Please see attachment for further detail ). 30 days ago I have disputed and challenged XXXX XXXX XXXX XXXX  on my Equifax credit report. 

In the attachment you will find relevant information which may be  inconsistent with what is currently being reported on my Equifax credit profile. This is a violation. 

On my credit report, Equifax has last payment date of XX/XX/XXXX. But in documentation received from the original creditor. The last payment date was in XXXX of XXXX. As a result, by default any and all information being imported by the furnisher is inaccurate and is deemed irrelevant. XXXX  XXXX XXXX XXXX  must be removed effective immediately from my Equifax credit report.
Complaint sub-issue: Account status incorrect

I have mailed ( certified ) Equifax on behalf of my credit report reporting a fraudulent account opened not by me 2012 by XXXX turned over to XXXX XXXX XXXX the collection agency. I have filed fraud affidavit with both XXXX & XXXX. XXXX  and XXXX have removed this account. Equifax keeps sending my a request of proof of identity even after I have provided this ( copy passport and bill ) several times. Equifax has refused to remove and will not send me a copy of my credit report with them. This account has NO proof of me opening no signed contracted as required by Federal Law, no copy of ID, nothing but statements. This is not considered accurate by FRCA law.I want it removed and a new copy of my report sent to me as I keep requesting.
Complaint sub-issue: Reporting company used your report improperly

Equifax/Equifax credit bureau fraudulently said I started a dispute in which I did not start a dispute.
Complaint sub-issue: Frequent or repeated calls

M.A.R.S company has been calling my job repeated times. There is already a court filing and the case is pending yet they continue to harass me at work and my cell phone during work hours.
Complaint sub-issue: Reporting company used your report improperly

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!