Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Equifax hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. Equifax is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by Equifax. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. Equifax has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from Equifax showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for XXXX yrs even tho I have proof it doesnt belong to me. 

XXXX  refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. XXXX  also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses Equifax and XXXX  have on file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter postmarked  XXXX   XXXX ,  2017  from ERC " indicating a balance with  XXXX   XXXX   XXXX  '' that I am unaware of.     I responded by certified mail requesting information and verification of that debt.     ERC has not provided such information. Instead they have begun to contact me through channels outside of those requested ( by phone ) and continue to avoid their responsibility.     I 'm initiating this request today because, after informing ERC of their obligation to respond with requested information by mail, ERC instead chose to challenge my claims and then abruptly ended their phone call.
Complaint sub-issue: Used obscene, profane, or other abusive language

good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections
Complaint sub-issue: Problem with fees or penalties

On XX/XX/XXXX, I enrolled in a promotion with Ally Bank. stated that I could move money into a new CD, and earn a 1 % bonus, up to {$500.00}. The promotion details are shown in the attached " allybonus.png ''. 

On XX/XX/XXXX, I had met the funding requirements of the promotion. I took advantage of the promotion fully by moving {$50000.00} into my new CD. Given this, I expected to earn the full {$500.00}. 

On XX/XX/XXXX, Ally closed my CD account, and sent me a check with the funds. I did not initiate this closure at all. I expected at least that the check would include the {$500.00} promotional money but it did not. 

On XX/XX/XXXX, I called Ally inquiring if I could receive my promotional {$500.00}. They said that they would not be awarding me the bonus. This is not fair, as the money remained in the account until XX/XX/XXXX, which is the requirement for the bonus. Even since they decided to close my account, it's unfair that they can refuse to pay me my bonus. There are many options to park my money, and if I had known Ally would have done this, I would have simply put it in a different bank with higher interest, back in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have informed XXXX, equifax and XXXX  of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent 4 sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.
Complaint sub-issue: Debt is not yours

The debt is with XX/XX/XXXXXXXX and I have consistently tried to let them know that the debt does NOT belong to me. It belongs to my father XXXX XXXX XXXX XXXX. They have come back and placed the debt on me.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I received a letter from EOS CCA about a debt originally owed to XXXX and then sold to XXXX XXXX XXXX XXXX and placed with EOS CCA. EOS CCA sent a letter on XX/XX/XXXX about the debt and I replied on XX/XX/XXXX asking the company to verify the debt. It is XX/XX/XXXX and EOS failed to validate the debt, but they did not hesitate to update the debt to my credit reports on XX/XX/XXXX within the time I requested debt validation, a clear violation of the FBCPA.
Complaint sub-issue: Old information reappears or never goes away

I have disputed this fraudulent account with EQUIFAX for months now. They have violated my rights and continue to do so! I don't understand what EQUIFAX is doing with my records but they are using my information and furnishing fraudulent information to harm and damage my reputation. On XX/XX/2021 I notified EQUIFAX by post mail of the information needing to be deleted immediately. I got a confirmation from EQUIFAX that the account had been in fact deleted. I received this confirmation TWICE! See exhibit A for proof. I received a copy of my consumer report today, XX/XX/XXXX, and have found that EQUIFAX has AGAIN furnished this account on my report! I have never received any notice from EQUIFAX regarding this action nor did I ever authorize or give consent to EQUIFAX to furnish this information. THIS IS IMPROPER USE OF MY CONSUMER REPORT!
Complaint sub-issue: Their investigation did not fix an error on your report

Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.
Complaint sub-issue: Information belongs to someone else

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquires on my report I didnt give me consent to use my info. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem accessing account

I received an email stating that my account access is frozen due to unusual activity from Discover Bank. I have tried calling them for days and been on hold for XXXX hours at a time, this is absolutely ridiculous. They have ahold of XXXX XXXXXXXX of my money and are not even responding to me. I demand my account reinstated as there was NO unusual activity on my account, I was logged in XXXX minutes before it happened.
Complaint sub-issue: Problem during payment process

Dear rep ' Please be notified that in the last XX/XX/XXXX, i agree to exept " Citi Dimond Preferred card '' offers of balance transfers with 0 % APR for one year, i requested balance transfer to my credit card account with XXXX XXXX of XXXX, and i start send citi diamond first payment at XXXX XX/XX/XXXX, sinc XX/XX/XXXX till XX/XX/XXXX i end up sending to citi dimond payments total of {$17000.00}. 
when i recieved the last statment for XX/XX/XXXX showing balance of {$3600.00}, i decided to check that with XXXX XXXX, i spoked with the super visor of XXXX XXXX that review my account back for 14 months, find that NO money was transferd by citi dimond whath 's or ever. 
on the top of that citi diamond claim sending found under my name to XXXX XXXX XXXX XXXX XXXX, that not even belong to me, i never add any XXXX XXXX XXXX 
i want to indicate that citi diamond did not send me any card with my name. 
i'me XXXX XXXX XXXX, living on social security income, and raising my XXXX grendchildren, i can't afford to loss money. 
please, i desperately need your help to solve this issue by getting my money refund to me. 
I having all the docments to proofs this claim. 

Thank you. 
Sincerely, XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX in early afternoon ; I deposited a check in the amount of {$470.00} at the atm drive through at PNC Bank on XXXX XXXX XXXX XXXX XXXX, Pa XXXX. 
The atm glitch screen when blank took the check, I hit cancel traction it kept my check and showed on my receipt it deposit check! I went to drive through window spoke to the teller on what had transpired. She asked if I could come which I couldnt due to me on my way to work and didnt get off til after the bank closes. She than suggested I call customer service to handle the problem which I did immediately. The customer service rep credited my account with the funds. A months and half later I get a letter in the mail stating they were deducting {$50.00} due to the amount of the check and the letter also stated I could request proof of documentation of how they determined that amount. So I called them explain everything again & ask for prof of documentation and copy of the actual check. I was 4 different times by several different reps on different calls they couldnt find the check or provide proof of how they determine that amount. I needed to provide proof of the check, I said how if the atm took it before I could even get a copy of the image of the check! I than went to the person who actually wrote the check out to me she went to the bank on XXXX XXXX personally it was denied access to any copy of her cleared written checks for that month! Claimed they do not provide that service she than closed her account which she has been a customer their since 12 years of age. I than went to my local bank in XXXX Pa explain everything ; a request was put in for a rep to call me and I received an email from a XXXX XXXX executive client relations that I would need proof of the check! Exact same runaround but they refused to give proof of the check or documentation on how they came up with that amount!! This so unfair & unlawful practices on their part. I want my money back in my account & apology!
Complaint sub-issue: Funds not received from closed account

My savings account was suddenly closed by Citi bank after I tried to transfer funds from my Citi savings account to another account ( something which I had done in the past, but with smaller amounts ). Without warning or communication, my savings account was closed on XX/XX/2022 for " suspected fraud '' and I was unable to access my money or online account. After calling Citi many times, the representatives told me that my remaining funds ( ~ {$5000.00} ) would be sent to me in the mail in 30-60 business days. After explaining to them that this was not fraud, proving it was my account, and telling them that it was unacceptable that they would hold onto my money for so long ( money which I need for food and groceries ), they said there was nothing more they could do and that I just need to wait the 30-60 business days. Today is XX/XX/2022, well over 60 business days from when Citi closed my account and I still have not received my money. The stress and frustration this situation has caused is immense.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate This account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX : {$55.00}
Complaint sub-issue: Account status incorrect

Due to covid 19 I had to put my mortgage in forbearance but I was told it would show on my credit negatively
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase, from XXXX & XXXX, for furniture on XXXX XXXX and XX/XX/XXXX. For furniture totaling {$2400.00}, with my Discover XXXX 

Over the next months/years, the furniture never arrived. I called discover to see what my opitions were, concerning disputes. They said I could. dispute at anytime. But give some time because of XXXX. 

As of today ( XX/XX/XXXX ), I have not received anything from the company, nor any firm date of when I will. 

On XXXX XXXX of this year disputed the case. They ruled against me, saying the company said they would produce furniture. What timetable I asked, they had none. 

The credit card company, is not standing behind their card, for a purchase where I have received nothing. going on XXXX years.
Complaint sub-issue: Frequent or repeated calls

Disclaimer : I do not know the name of the company calling, only that they call from XXXX. They identify I believe as XXXX, but identified themselves to my mother as UHC and claim they are a pre-legal collection agency calling on behalf of XXXX XXXX. 


The loan was taken out in XXXX of XXXX. The company that keeps calling me has not identified themselves, only the representative named XXXX. She identified the company as a pre-legal collections agency. 

This started when the company called my mother ( a reference for the loan ) on XX/XX/XXXX and advised her that I had a debt with XXXX XXXX XXXX XXXX and I should call XXXX extension XXXX because I have attempted to defraud the company and they will take legal actions against me. I then called the company directly and advised them that as far as I know legally, they can not share specific information with my mother and that I was not going to be paying this debt. 

This company proceeded to call me over the last few weeks despite me asking them to do what they needed to do. Today, XX/XX/XXXX, they called me twice back to back. I called them back ( forgetting whose number it was ) and the woman, XXXX, who spoke to me was very defensive when I asked who was calling and why she needed my mailing address. She stated that I've talked to this office before, so I should know. When I explained I did not remember, she said " so you're saying you never spoke to us? '' I repeated, I don't know who you are - I don't remember. '' I then realized who it was and hung up. They then called me again twice more then called my brother 's phone ( also a reference ) and also told him they were calling me regarding a legal matter and I should call back as soon as possible. So I called them back and advised that this was harassment, at which point they responded that they were entitled to call me as many times as they wanted, and divulge information to whoever they wanted, because they are a pre-legal collection agency, so by law they can do that. 

I do not know the name of this company but I have the notes from my mother 's conversation with them, the voicemail recording my brother received, and a record of both missed and answered calls by them. They have not only threatened to but have actually contacted others to share information improperly. They have threatened to take legal action ( sue me, claim I attempted to defraud them ).  They have placed frequent and repetitive calls. They've used threatening language. They've kept calling even after I've told them to do whatever they need to do but to stop calling.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the equifax data breach and may have gotten into the hands of the wrong people.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with rewards from credit card

I opened cash+ signature card with US BANK  .  They have {$100.00} member welcome bonus, I got confirmed with phone team that I will have this  XXXX  bonus but need wait up  to 3 month to get it . I wait that long, ask bonus again since I did not see that. And they said I have not got the bonus on my card yet they are not going to match it. Sent screenshot, tell banker, not be able to solve the problem.
Complaint sub-issue: Old information reappears or never goes away

I have contacted Equifax at least three time to let Equifax remove an unknown address starting at XXXX from my credit report. Each time the dispute status shows success, but I am still having the unknown address appeared in the latest credit report.
Complaint sub-issue: Public record information inaccurate

Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following item off my credit report/file : Account # XXXX XXXX Bankruptcy XXXX. I have previously submitted disputes with Equifax along with the necessary XXXX  and law enforcement reports necessary to block this item from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other XXXX XXXX Agencies have completed their investigations and have removed this item, Account # XXXX which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.
Complaint sub-issue: Report improperly shared by CRC

I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is violating my rights! 

Account : XXXX XXXX XXXXXXXX There are inaccuracies on : Account Rating, Date of Last Activity, High Balance, Date Reported, Account Type That is 5 errors that each carry a {$1000.00} fine! I have disputed this account for removal multiple times now with Equifax and I am in my legal right to demand its removal!

All Data is supposed to match 100 % on all 3 bureau credit reports and it does NOT.

I am in my full legal right to demand this account be removed immediately! 

I will contact my legal representation to start proceedings.
Complaint sub-issue: Trouble with how payments are handled

I took out a private student loan in XXXX/XXXX/XXXX. The principal amount was {$26000.00}. I made a few payments and then I made a large principal payment of {$18000.00}. I did n't hear back or receive a payment due notice until XXXX. The phone call said I was past due. This did n't appear on my credit report as being late, or behind. The customer service person said I owed interest and was behind. This was confusing to me, and it did n't make sense. I 've been making payments since XXXX. However, the loan is all interest and nothing is going towards principal. I 've asked for explanations, but they keep telling me I owe interest and the amount keeps rising, although the interest rate has gone down, I 'm still only paying interest and no principal. On top of that they keep telling me they do n't have my social security number even though I have given it several times. I want to know how the interest on this loan got behind. My address and contact information was the same since XXXX until XXXX. My mail was forwarding to my new address since then. Yet they have me paying interest only now for two years. Please advise how to get an explanation about this loan.
Complaint sub-issue: Debt is not yours

On or about XX/XX/2022 D & A Service LLC, of IL sent me a letter requesting & XXXX on behalf of their client XXXX XXXX I, XXXX. I requested information from them on or about XX/XX/2022 but they have not responded at all.