Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I was contacted by Plaza Services , LLC on XX/XX/2022 about an alleged debt. It was identified as a line of credit with XXXX. I was notified by the company that I had until XX/XX/2022 to dispute the debt. I sent a dispute letter via XXXX and it was delivered on XX/XX/2022 at XXXX. I called the company on XX/XX/2022 to confirm that my dispute letter had been received and that the account had been updated to show a disputed status. I spoke with XXXX ( expenditure number XXXX ) and XXXX confirmed that my dispute letter had been received and that the account is in a dispute status. Here 's where the first issue is. XXXX asked me what information I asked for in my dispute. I listed everything that I asked for in my dispute letter and XXXX said that " they do not have that information ''. Therefore, the company does not have the required information to prove who the owner of the debt is. This takes me to my second issue. The same day that I spoke with XXXX and confirmed that my dispute letter had been received and my account was in a disputed status, I received an email from the company trying to collect the debt. A debt collector may not continue to attempt to collect a debt while an account is being disputed and they haven't provided the information to prove who the owner of the debt is. This is a clear violation of the law and my rights as a consumer.
Complaint sub-issue: Other problem getting your report or credit score

The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been a victim of identity theft on several occasions and learned through the process of disputing fraudulent accounts opened in my name that I was among the victims of the XX/XX/2017 Equifax data breach. 

Equifax refuses to provide a simple document stating this fact -- that I am among those victims. 

It is necessary for me to have such a document, as I am enlisting in the XXXX XXXX, and I was asked to provide evidence that I am the victim of identity theft. 

This is a fairly simple request, yet Equifax transferred me multiple times to multiple different departments, and no representative was able to help me. 

It is especially egregious that my request for such a document isn't being fulfilled since the very website of the data breach settlement administrator shows that I am, in fact, a victim of the breach. ( see attached PDF ) Moreover, Equifax 's online interface does not provide a digital record of past disputes past 30 days, and the company says it can only mail such documents. This is unacceptable in the digital age.
Complaint sub-issue: Public record

I send in the disputed to the credit bureau for inaccurate information on my credit report. they responded back saying the verified the information. I also sent a letter to the company that stated they do n't report to the CB.How can the verified information that not report to the CB.
Complaint sub-issue: Problem with customer service

This is about Key Bank private loans and XXXX the servicer. 
I am a co-sign for a person 's loan. that person graduated from School about 11 years ago. I have not seen the person or talked to this person for 10 years now. This person has been paying the loan on time for 11 years and counting. I've asked for a co-signer release every year and got denied. I am trying to understand why is this such a hard thing to do for the loan servicers.
Complaint sub-issue: Information is not mine

I have disputed this items several times with Equifax. To date, Equifax states that the item is valid and it remains on my credit report. However, neither Equifax nor the debt collection company ( XXXX XXXX XXXX ) have provided any documentation whatsoever that proves ( 1 ) the debt is valid and ( 2 ) the debt is mine. I HEREBY STATE THAT THIS DEBT IS NOT MINE, AND IT SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Complaint sub-issue: Problem using a debit or ATM card

First, this is the dispute I filled with Citibank. Dispute case XXXX APPEAL Hello, I am disputing/ case XXXX  XXXX on my debit card ending in XXXX This charge was made on XX/XX/XXXX i n XXXX FLORIDA . I did NOT authorize this nor did I make this purchase. There were 3 changes on XX/XX/XXXX XXXX for. {$68.00} 1 for {$38.00} and another 1 for {$290.00} All made in Florida I LIVE IN CA LIFORNIA and did not make these changes! NONE of these belong to me. Credit for 2 of them was issued back however you are not crediting me back the XXXX.. Please look into this and have this cleared up. If you have any questions please feel free to contact me at XXXX. Citibank will not credit me back the {$290.00}. They claim there is not enough evidence even though the y credited me back for the other 2. all of these charges were at the same place at the same time. 
I am not getting any resolve from citibank. They have been looking into this for several months a nd I keep getting the run around and keep getting transferred from person to person telling me t hey are looking into this and yet no resolve. I went into Citibank on XX/XX/XXXX spoke to a woman name XXXX  XXXX phone is XXXX who told me that she would help and could see the change was obviously not mine. She then went on vacation for 2 weeks, upon return I called her on XX/XX/XXXX S he told me she was in the middle of an audit and would not be able to help me then said I'd have to take this up with the dispute department that she could not help. That is what I have been doing for MONTHS! Please help me resolve this as I can not get help from Citibank. they are not protecting me or my money Thank you, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been disputing a fraud account with Equifax since 2017 the company is XXXX XXXX XXXX. I have sent equifax police reports and documentation to Equifax stating that I been a victim of identity theft. All Equifax can do is tell me that the company stated that the account belongs to me. I have ask Equifax to provide me with proof that I open the account they will not send me any validated information saying that the account belongs to me. also Equifax telling false information they are pretty much doing what the want to do. All my rights as a consumer as been validate with Equifax and the creditor. ALSO EQUIFAX HAS 2 CREDIT FILES IN MY NAME AND SS # which means there should one be 1 credit file by law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is not showing I have a credit report. So since XX/XX/2019 I have been sending my information so they can build a credit file for me. They still have not. Every time I call they tell me they have not received any of my information even though they have sent me letters regarding the information. They are refusing to do their jobs and are not giving me any explanation as to why.
Complaint sub-issue: Account status incorrect

This account is included in bankruptcy. Bankruptcy was discharged XX/XX/2022. Account is showing late payments and a balance owed. Should not show a balance owed, should show included in bankruptcy, and should not show late payments as XXXX bankruptcy department states debt uncollectible.
Complaint sub-issue: Their investigation did not fix an error on your report

I the federally protected consumer pursuant to 15 USC 1692a3. I have rights to dispute any alleged or unauthorized accounts and other false and deceptive information on my consumer report. Consumer reporting agencies has to obey the Fair Credit Reporting Act 15 USC 1692b permissible purpose, which I did not give permission to anyone as the consumer I am the only individual who can confirm what is furnish on my consumer report. I call for all these negative accounts to be remove because XXXX has already remove these account and equifax should follow XXXX XXXX well and remove the alleged debt. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by EQUIFAX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.
Complaint sub-issue: Debt is not yours

I would like the company PNC to take my claim regarding account number XXXX seriously. I would like your agency to know that I started disputing this account in XXXX last year. I sent a certified letter directly to PNC regarding my concern with this account. I made sure that I was very detailed with my request for the original paperwork on file. The main reason why I requested this account information is because of an instance where someone used my information previously and I am going through my affairs to verify I understand the details of the XXXX account with PNC. For the past few months, I requested the original paperwork 2 additional times and I am not getting any response from PNC. There is no excuse clearly PNC is not cooperating regarding my concern. I no longer have a choice but to file this complaint in the hope of getting all the paperwork sent to me. I would like to thank you in advance for helping me in this matter. Again, I am requesting the original signed agreement for this account. I am requesting the copy of signature, terms, and conditions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX  # xxxxxxxxxxxx XXXX has violated my rights. 
XXXX # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXXXXXX XXXX XXXX ( multiple ), XXXX XXXX  ( multiple ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.
Complaint sub-issue: Contacted employer after asked not to

This debt agency keep calling my telephone number 24/7 day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.
Complaint sub-issue: Information is not mine

I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately! ( See case # XXXX )
Complaint sub-issue: Reporting company used your report improperly

XXXX past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of XXXX who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from XXXX furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, if the mortgage account with XXXX dba XXXX XXXX # XXXX is not corrected to OPEN, then the next correspondence will be from my attorney. 
I have dispute this 4 times now. See attached Equifax dispute results. nothing was corrected. And yes, I have disputed with  XXXX, but I am not allowed to actually speak to anyone in their credit reporting deptso my dispute is going nowhere. 

**See my attached mortgage payment receipts for XXXX, XXXX, and XX/XX/2020. I pay this account every month! It is OPEN. And there have been no late payments past 30 days, ever. 

*I also disputed this again online XXXX, and provided all these documents again online as well. 

Please correct my Equifax credit report to show mortgage account with XXXX dba XXXX XXXX # XXXX as OPEN, not Closed. And on-time payments through XX/XX/2020. 

*I have provided PROOF that this account is Open & current on payments multiple times, not Closed.
Complaint sub-issue: Account status incorrect

Showing 30 days late on XX/XX/2022 payment that I made on time, but payment was erroneously sent to savings account instead of credit card. I spoke with XXXX XXXX XXXX regarding the situation and they filed disputes for me, but the information is still on my credit reports.
Complaint sub-issue: Information belongs to someone else

I have a repo with XXXX financial that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.
Complaint sub-issue: Information belongs to someone else

XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

In XX/XX/XXXX I applied for a Citi card because they had an offer for a {$250.00} statement credit to book a flight. I applied through Citi and not the airline. I called them in XX/XX/XXXX and told them that I didn't apply correctly and I may have to cancel the card and reapply to get the credit. I was told that I would still get the credit and I didn't need to cancel. On XX/XX/XXXX, I'm ready to book my flight through XXXX XXXX. I called Citi again to make absolutely sure that I would get my statement credit. I was told that I would get it. I booked my flight through XXXX XXXX using my new Citi card. A couple of weeks later on XX/XX/XXXX, I check my credit account and I don't see any credits. I call Citi the same day. I was told that I do not qualify for the credit. The agent said that they would file a dispute and I would get written notice in a couple of weeks. I received a letter on XX/XX/XXXXstating that I don't qualify for the credit because the credit is only for flights. I call Citi on XX/XX/XXXX. I was again told that I don't qualify for the credit. I was eventually transferred to a senior agent. She told me that if I found proof that I was offered the credit she would apply for the credit. I was very angry at this point. I threatened to cancel both of my Citi cards, but I did not instruct her to cancel either card at this point. I eventually hung up on her. I checked my account on XX/XX/XXXX as I was doing my monthly bills and I saw a message that my card had been cancelled. I called Citi the same day. The agent said that the notes said that I requested to cancel my card. I said that this is incorrect because my flight is next month and I'm sure that I wouldn't get my travel benefits such as preferred seating and checked bags free. He said that my card is cancelled and there's nothing he can do about it. He does agree that I should have received the {$250.00} statement credit, but it's too late to fix it now. I ask for his supervisor. He says that there's nothing he can do. I tell him to cancel my other Citi card as I want nothing to do with them.
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a XXXX XXXX Visa and didn't receive my first bill due to a move. Instead of putting 30 days late, they reported 120 days late! The credit agencies are incompetent! Anyone who has completed 2nd grade could comprehend that a credit account open only 30 days prior couldn't possibly be 120 days late. I have tried to dispute this 3 times already. Equifax dropped my score 55 points because I requested a reinvestigation. I would call this retaliation! There needs to be consequences for these credit reporting agencies as well as those reporting. This is ludicrous! Do I have any recourse?
Complaint sub-issue: Information belongs to someone else

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Complaint sub-issue: Don't want a card provided by your employer or the government

Id received a U.S. Bank XXXX in the mail today ( XX/XX/2021 ). The issue is, Id never applied for unemployment. Ive been working for almost 20 years. Even during the pandemic, Ive been working. 

I was transferred from person to person. A specialist did take my call. Shed informed me that the card was in fact for unemployment. Shed stated that she was going to get me over to the unemployment department. Where they can pull the application. As well as close it out. 

Placed on hold. Someone picked the call, they never responded. They just held the phone. So Id decided to look for a site on the documents placed in the envelope with the credit card. 

Therefore, Im reaching out to you all for further assistance on this matter. I do not know the amount on the card. I did not activate this card. 

Kind Regards,
Complaint sub-issue: Information belongs to someone else

I'm not responsible for this account, i never sign contracts with this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor. I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile. They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file. Thank you for your cooperation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX did XXXX hard inquires in 4 days. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist