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

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number XXXX XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX XXXX XXXX XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX*** ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Reported : XX/XX/XXXX {$860.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX , XXXX. 
Reported : XX/XX/XXXX {$240.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$490.00} XXXX Reported : XX/XX/XXXX {$70.00} XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/XXXX I received three calls from a company claiming to be debt collectors. 
The first call was at XXXX, second call XXXX, and third call at XXXX. ( California time ) They insisted I pay {$800.00} upfront and give my debt card information over the phone. 
I told them I dont mind sending a cashiers check, but they said I can not do that. 
I spoke to their female Manger and she mentioned my debt was {$700.00} ... Which is a different amount that was said prior. 

I call them at XXXX and ask them to send me a validation letter in the mail, but the guy says they can not do that and if I dont pay today, they will charge me 7 % everyday of interest. 
I told the guy I was at work and didnt have a card on me, and he rudely says who doesnt take their wallet to work .. then I tel him I have XXXX XXXX ( only works in stores ) and he starts listing companies Ive never used before. 

I would love to pay debts correctly, but this seems like a scam.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX us dept. of ED/XXXX # XXXXXXXX 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 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 15 U.S.C.1681C. ( a ) ( 5 ) section states. : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. u.s.c.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Frequent or repeated calls

I get repeated calls from Conns on a daily basis after the XXXX of the month. I have told them that I have lost my job and though I am late, they are always paid during the month. They start at XXXX and call my home, my cell and will continue to call even when I tell them I cant pay today. It is constant and it is harassment. The calls are over XXXX calls on both phones daily. Sometimes back to back within XXXX minutes on both phones.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX in the amount of {$880.00} I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. XXXX XXXX attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX reinserted this fraudulent account without my knowledge or validation XXXX XXXX, XXXX and has been reporting it on my credit file as of XX/XX/XXXX. Texas has a 4 yr statute on collections and we have entered year 6 with no validation. I have sued Equifax and won just in the past year and will sue again if this fraudulent account isnt deleted indefinitely. Equifax or XXXX XXXX has yet to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX XXXX XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted again XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!! This is hindering my home buying process and job hiring process. This is against the law and I will take legal action again if needed.
Complaint sub-issue: Debt is not yours

I am a victim of identity theft and below is what happened. 
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MRS BPO , LLC.
Complaint sub-issue: Debt is not yours

Dear US Dept Of Edu and Mohela : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX ( MOHELA ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My stimulus card was stolen. I filed a police report. I viewed a picture of the woman who completed the transaction I did not know her. I filed a dispute with eipcard/money network. They declined my dispute before I even submitted the forms. I submitted an appeal as advised. I called multiple times. I would get transferred, hung up on left on hold. Everyone would give me different answers to my questions. Nobody would give me information on their company so I could go up the chain of command. I requested multiple times why my dispute was declined. I spoke with someone yesterday and found out my appeal was declined but no one will explain why. I cant speak to that department. I cant speak to anyone who can help. Someone used my card on XX/XX/XXXX. I filled a police report my card number is XXXX XXXX XXXX XXXX. I Spoke to officer XXXX at the XXXX XXXX Police department at XXXX XX/XX/21. Case # XXXX dispatch number XXXX. I have tried and tried to resolve this issue. I am a victim of theft and this company refuses to do anything to resolve the issue. They have been extremely difficult to work with and impossible to get anyone helpful to fix this issue. Please please please help me resolve this issue.
Complaint sub-issue: Information is missing that should be on the report

Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 there was an inquiry that appeared on my XXXX credit report that I did not initiate. The company name on the report was XXXX RISE. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.
Complaint sub-issue: Frequent or repeated calls

Conns has continued to call me during work at a minimum of 14x a day from XXXX different numbers. I have told them that I will pay them next week but they continue to disrupt my work and upset me with their harassing calls. They need to review their practices and collections strategies. I have already gave them a time and date that I will pay my bill. I will NEVER AGAIN do business with these vultures.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Complaint sub-issue: Trouble getting a working replacement card

On XXXX, I purchased a mastercard gift card from XXXX XXXX in XXXX XXXX XXXX CA XXXX I could not use the website www.prepaidgiftbalance.com to activate the card so I called the number XXXX on the back of the card. The agent told me because the card was somehow scanned by fraudsters even before my purchase, so it is blocked from activation. I have to wait for a replacement card. 

I called vendor after 3 weeks and was told the card might be lost since I still haven't received it. I asked whether there is a way to send a card with tracking number and was told that is not possible.

It has been over 7 weeks, now and I still haven't received my replacement card yet.

No communication from this company and they do not show any sympathy for the inconvenience caused to customer.
Complaint sub-issue: Keep getting calls about my loan

Sallie Mae is engaging in harassment tactics to attempt to collect payment. From having XXXX, I know that it is not legal for companies to engage in such practices. They call me several times PER DAY, and many of the calls are during work hours. This is completely inappropriate. It is also entirely inappropriate for them to call my mother during business hours. As of today, I have written them a letter demanding that they stop immediately. I will file an additional complaint if they do not adhere to my demands. Any of the times I have answered their calls, their agents have been incredibly rude and/or condescending. I will not stand for this kind of treatment.
Complaint sub-issue: Company closed your account

On XX/XX/2021 I opened a CitiXXXX account with Citi Bank, by responding to their promotional {$2000.00} bonus with a deposit of $ XXXX or more within 20 days for 90 days. 
I decided to make external transfers from my XXXX XXXX XXXX in which I have 3 accounts XXXX  saving, Checking and Share Saving with the account numbers end with XXXX, XXXX, and XXXX respectively. I have over $ XXXX cash in XXXX saving and $ XXXX in checking. 
On XX/XX/2021, $ XXXX and $ XXXX and $ XXXX were deposited to Citi Bank and XX/XX/2021 $ XXXX transferred from my account XXXX to Citi Bank. I have noticed that all the transferred funds were credited to my Citi Bank account, although I noticed the last $ XXXX were not withdrawn from my XXXX XXXX XXXX account. I called twice the Citi Bank that even my Citi Bank account has been credited with $ XXXX, there is no deduction amounts from my XXXX XXXX account. I was told not to be concerned, since it is credited to my account, the bank eventually will take the fund. On XX/XX/2021, I got a note from XXXX XXXX XXXX that there were XXXX {$29.00} charges for insufficient funds of $ XXXX to my checking account. I realized the confusion and immediately transferred $ XXXX to my Citi Bank account. on XX/XX/2021, I got an email from Citi Bank that my account has been suspended. I called the Citi Bank about the confusion between the 2 accounts and that the $ XXXX transferred already sent and deducted from my XXXX XXXX account, so there is no problem of funding the account. I was told by the XXXX from Citi Bank that bank already has decided to close the account and my deposited of $ XXXX will be retuned within XXXX days. In the meantime, my last $ XXXX was transferred back to my XXXX XXXX account. 
Citi Bank did not want to listen to the situation and confusion and the corrections that I have made to resolve the issue, but rather to close the account and avoid the {$2000.00} bonus payment which was reduced to {$1500.00}, ten days after opening my account. 
I feel I was treated unfairly in handling my account as fraud. It has been 32 days that I am still waiting for my $ XXXX first deposits. I was told all the conversations are recorded and apparently no one cared to listen to my explanations.
Complaint sub-issue: Investigation took more than 30 days

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX, XXXX, Equifax. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, XXXX, Equifaxhas FAILED to do so. I feel as if XXXX, XXXX, Equifax is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX, XXXX, Equifax and I can resolve this issue without having to see a courtroom. I will await XXXX, XXXX, Equifax response before I disclose any of my personal information.
Complaint sub-issue: Information belongs to someone else

The credit bureau does not want to remove a  XXXX  account on my credit that is not mine. I have never had an account with  XXXX  and I know I have no unpaid debts with them. I have called  XXXX  and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to  XXXX  in the past and   XXXX   promptly deleted the account in  XXXX  once they verified it was not my account. How can there be different results between  XXXX  and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching   XXXX   XXXX   investigation results also showing the account was deleted. The account number is  XXXX  and the balance is {$54.00}.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I entered military service in XX/XX/XXXX and put all of my student loans into deferment while I went to XXXX XXXX and got into a routine and made a little bit of money. Around XX/XX/XXXX, I was stable enough to start making payments on my student loans, and I started to do so. However, when restarting payments on my loans, I forgot about the {$30000.00} loan I had taken out with CitiBank. Over time, the payments became very delinquent. There was no attempt to contact me that I am aware of, either through email, phone, or mail. 

I found out about the delinquent account because my clearance was at risk in XX/XX/XXXX. I called the company to try to figure out a payment plan because I am WILLING AND ABLE to make payments. The debt has been passed around through various companies, and this required calling all of them. CitiBank gave it to a company called XXXX, who sold it to XXXX XXXX XXXX, who sold it back to CitiBank. I received no notification that my debt was passed around, and who I should be making payments to. I called Citibank late XX/XX/XXXX to try to make a payment plan, and they refused, saying that the only option for me was to pay a settlement equal to 65 % of the amount owed. The amount owed is {$42000.00} and the settlement payment is {$27000.00}. 

I told the representative that I talked to that I am unable to make a settlement payment, but that I am WILLING AND ABLE to negotiate monthly payments, and my request was refused. When I asked to speak with someone else or a supervisor, my request was denied and the representative stated that he did not have a supervisor and that he is the only one that I am allowed to talk to. 

I considered getting a consolidation loan, but I can not get a loan with bad credit. I can not fix my credit until I get this loan taken care of. This is an endless loop that I am stuck in despite my willingness to fix it and make it right.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have two XXXX XXXX hard inquiry that I didnt ask for
Complaint sub-issue: Card was charged for something you did not purchase with the card

We had many fraudulent charges on our discover card. We reported them and then received a letter saying they didnt suspect fraud. Because some of the charges were at places we shopped. I cant believe we are forced to pay for purchases we did not make. I filed a police report but they said to contact the credit card company which we did We are elderly and really didnt notice some of the fraud charges until months later. When we started looking we went back 5 months and found fraud. None of these charges were recognized by discover as fraud. What can we do
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF ED/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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws.Equifax has added more inaccurate and incorrect information for which I am also asking to be removed. This has the correct attachments do not close this one as duplicate. You can close previous one as duplicate.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX, has been sending me collection notices in the amount of {$250.00}, The collection has been reported as past due. I don't know this company, I have never done business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a XXXX letter last XXXX XXXX, 2022, however, I did not receive any responses from you. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) requires the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reported accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  DA XXXX Balance : {$940.00} ; XXXXXXXX XXXX  DA XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

Account status causing negative impact on credit anlasys. Score rating impacted. Ujustly violating properley not having a fair and impartial bias will not permit me to be treated equaly.