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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Problem with customer service

I got my new Citi Aadvantage MasterCard around XX/XX/XXXX. Since then, I have been unable to add the card to my XXXX XXXX on my XXXX for use with XXXX XXXX. 

I spoke to Citi, who told me I needed to call XXXX, because " rest assured '' there is no problem with Citi. 

XXXX told me there are no issues with my XXXX XXXX and that if I'm unable to resolve the issue with Citi, I should request a " PNO escalation ''. 

I've spoken to multiple representatives from Citi since XX/XX/XXXX, both on XXXX, their website chat feature, and through callbacks initiated by Citi. 

No one has been able to resolve the issue, or seems to have made an attempt to resolve the issue. Each time I call it's as if I'm speaking about an entirely new issue. This morning I was called and then put on hold for 15 minutes, and then transferred to someone who had no idea who I was.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/2018 FOR 30 DAYS LATE???

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

It would be fair to have the negative remarks removed and the report showing it is closed NOT " in dispute. '' OR It would be fair to just delete the negative report after all the hours and days I've spent trying to remove or improve my credit with XXXX XXXX from some collections that occured to me during a medical injuries I sustained and was out of work for 4 months. I have paid all balances to {$0.00}. I don't owe anyone money. They can at least help a willing customer.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Didn't receive notice of right to dispute

On XX/XX/21, I placed a phone call to IQ Data International Inc to discuss the information reported on my credit report. I requested to have a bill mailed to me since I have never received any type of written documentation from this company. XXXX, the manager, informed me I owed more than the amount listed on my credit report, to which I again requested something in writing. I stated I want something in writing so I can MAIL my payment and he still refused and stated that I have to make a payment over the phone. He was very rude and made it very clear he was not going to make it easy to pay off this debt. I requested all communication be through Mail.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 while checking my report I corrected my personal inforamtion with documents like my state ID, and a proof of evidence this information was ignored and re-investigated and updated to no no change at all. The exact same items on credit report and after the re-investigation these accounts remain the same. The companies say they updated after re-investigation but the same inaccuracies remain. There were no re-investigation nor investigation from the start.
Complaint sub-issue: Account status incorrect

There are two accounts reporting on Equifax that the company agreed to delete because they were paid in full. The other two bureaus did delete the accounts yet Equifax still reports them. It has been 90 days now and they still report it. It has been disputed along with proof sent to them. I get the virus is slowing things down but why did the other two bureaus see fit to do their job and Equifax hasn't?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  Account # XXXX opened XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.
Complaint sub-issue: Personal information incorrect

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have sent XXXX letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified XXXX accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. 
Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. 

Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( XXXX XXXX XXXX XXXX XXXX seems to be false representations and inclusion of inaccurate information this violating federal laws. 

Equifax is unwilling to verify any of these accounts, then under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply with this XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Each letter I sent had a copy of my SS # and driving license inclosed
Complaint sub-issue: Account status incorrect

I have been attempting to resolve my credit concerns since XX/XX/2019 and it is now XX/XX/2019. The car was repossessed, but redeemed in XX/XX/2019, and I continue to pay the regular car payment of {$430.00}, plus {$140.00} per month in order to repay the past due amount on the XXXX  of every month since I redeemed the car. The account continues to report as closed and in repossession, with no payment history of funds received being reported to all three major credit reporting agencies.

I have a loan for a XXXX  XXXX  XXXX  with this company, and they are reporting to my credit report incorrectly. I have attempted multiple calls to this company and was outright lied to by two of their agents just to get me off of their line. They stated their credit team handles these requests and they would transfer me to their voicemail for a return call, but each time they transferred me, I was not able to leave a voicemail, the recording just continued to loop. TWICE THEY DID THIS! The third agent I spoke with actually held the line and let me leave a voicemail to their credit reporting team, but little good it did as I did not get a return call. She also gave me a confirmation number that she stated was from XX/XX/2019 where they submitted an electronic update to the credit reporting agencies, which I later learned from another agent, was just an internal number they used for their cases, not an AUD to the credit reporting agencies. I was advised that they sent me credit reporting documents in the mail, I HAVE NOT RECEIVED THEM! I called back the following week and was told by a 4th agent that their credit reporting team does not even call customers, and she was not sure why they told me that, well I know why, it is because I was demanding they do their job and FIX MY CREDIT! They have made several violations under FCRA regarding the reporting of inaccurate information to my credit profile! It should not be so hard for a DEBT COLLECTION COMPANY to follow the FEDERAL LAWS established for instances such as these. It is not a closed account, nor is it in repossession, because I DRIVE IT DAILY! If it is closed, and repossessed, then why am I paying them????? It took them one week to report it as repossessed, and if I miss a payment, they call relentlessly bordering on harassment, so why do I have to harass them to just do the RIGHT THING!?
Complaint sub-issue: Debt is not yours

I reviewed my credit report from XXXX in XX/XX/2018 and saw an unfamiliar collection account from ERC also known as XXXX XXXX XXXX for {$910.00}. I wrote and mailed them a certified letter dated XX/XX/2018 requesting validation of this debt ( signed contract for example ). USPS tracking confirms they received the letter on XX/XX/2018. However, as of today I am still waiting for a response from them. Instead, to add insult to injury, instead of responding to me with the requested documents, they have now added this same erroneous collection to my XXXX   credit report today, which immediately negatively impacted my score ( score dropped 17 points )
Complaint sub-issue: Information belongs to someone else

These accounts listed and the Chapter XXXX Bankruptcy isn't mine. I have provided a document to show this. Please remove them.
Complaint sub-issue: Information belongs to someone else

The Home Depot- I am a victim of Identity theft and someone opened an account under my name and SS number without my authorization. I received a notice from credit bureaus regarding missed payments. I have never had an account with The Home Depot. I've made numerous if not 10 or more calls to Home Depot regarding this matter. At a later date they sent my information to a collection agency which continued to harass me and call me at all hours of the early morning. I spoke to a supervisor and told them that they needed to stop calling me as I am an elderly woman who is very ill and reported the woman who was calling me every day. I have never had a Home Depot card and stressed to them that my identity was stolen and still have not received any information regarding this account. Police report attached.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX : account # XXXX and account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXccount # XXXXXXXX XXXX XXXX XXXXcount # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem lowering your monthly payments

After my student loans had went into repayment the payment amount was too high. As a result of the high payment I had applied for options regarding a lower payment. The documentation that was requested to make arrangements was sent to the company. The documentation was either not enough or not what they needed. As a result to the runaround my credit report shows that I have 84 missed payments from XX/XX/XXXX-XX/XX/XXXX a total of six missed payments for each student loan account as they are not consolidated. I was finally able to get onto an income driven repayment plan after speaking to the right person and bring the account to current.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting and illegally unverified accounts to my consumer report. I previously disputed the below items and received a letter in the mail dated XX/XX/2021 Confirmation # XXXX informing that the items were verified but I never received anything to validate as I am the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pursuant to 15 USC 1692g I am the original creditor and I do not validate the above accounts. I demand immediately remove them from my report and you have 5 days to do so from the moment you receive this complaint. You are to send me a free copy of my report once update. Failure to respond satisfactorily pursuant to federal law will result in other actions being taken and will sue for {$1000.00} per violation : 1 ) 15 USC 1692g, 2 ) 15 U.S. Code 1681b-Permissible purposes of consumer reports, 3 ) Negligent Enablement of Identity Fraud.

4 ) Defamation
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I mailed Equifax all required documents regarding fraudulent hard inquiry on XX/XX/21. They said they received them on XX/XX/21. However they did not scan in all documents I sent and said the file was incomplete. I then filed a complaint with the XXXX on XX/XX/21 and faxed them a copy of the report along with my drivers license. Today I called and they told me they did not receive the fax. I have a fax transmission receipt showing it was delivered and received. They asked me to resend the documents through fax, however this will delay the fraudulent inquiries from being removed. I demand these fraudulent items be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company not once sent me a statement but called and harassed me stating they were trying to serve me papers with a company called XXXX XXXX. They have left me Voice mails wishing me luck. Before my last name was XXXX and they leave all kinds of messages in XXXX harassing me about suing me.
Complaint sub-issue: Keep getting calls about my loan

When I made large, principle only payments on the loan prior to payments becoming due, they did not allocate the amount to the principle. Rather, they apportioned the amounts out as payments for when the loans became due after I graduated. Additionally, they send excessive mail and make too many phone calls. For instance, they called my mother, who is also my cosigner, three times within an hour this morning ( XXXX/XXXX/16 ) alone. They also send both of us communication via phone and email in excess. They threatened my mothers credit, and were rude to her when they called. I have told them that a payment for the full balance of both loans is in the mail and they still persist. Checks for full payouts on both loans should reach their officers tomorrow or the next day at the latest.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Hi, I wrote to Discover numerous times. I explained the situation since we were experiencing financial hardship. We had to move due to family health. Also, I lost my checking account. In the past 9 months, we have had 3 hospitalizations and numerous doctor 's visits. The medical condition now worsened to a severe status. XXXX and Social Security does not really cut it at this point. We may need to check into Affordable housing solutions since we barely paying rent and we receive numerous disconnection notices. 
I asked for forgiveness. 

I asked to cease contacting me a number of times. However, they keep calling about 3 times a day. Right now, with no assistance. Most calls are robocalls. They seem to repeat the same threats and the situation has not improved at all especially with this Covid-19 crisis. 

Can you help? This stress is not helping in the current crisis. They say they won't contact, but they continue to do so. 

Thank you.
Complaint sub-issue: Information belongs to someone else

Reporting a charge off account. Never received any documentation stating I owed the amount and never gave me the opportunity to pay the account. Also, when sold the auto was told I had gap insurance and found out I was lied to later. Reporting charge off and wont provide documentation. Requested numerous times for original documentation confirming it was even my account. Called and left a message to discuss never got a returned call.
Complaint sub-issue: Information belongs to someone else

Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

A woman called me on Tuesday, XX/XX/2021 and claimed that there was a sealed Federal Indictment against me. She claimed that I had been contacted by mail already ( of course I had not been ) and that I needed to write down and call a number she was going to give me.

I explained that I was not able to write a number down at that moment, I had not received any complaint in mail and that she must be mistaken as I hung up the phone.

She immediately called back. She was agitated and told me that I was rude to hang up on her. I explained that I was busy and could not write down a number and hung up the phone again.

During one of these insane exchanges I suggested that she call me the following day when I would be in the office. She wanted to know what time to call which I said " this time XXXX about XXXX XXXX should be good. '' Once we ended the call she immediately called right back. 
Between XXXX XXXX and XXXX she called my cell phone 11 times. The phone number showed up as a series of " XXXX 's '' or " Unavailable '' on my phone. ( Of course my original thought was that is was another robo call. ) She told me she would continue to call every 30 seconds until I took and called the number she wanted me to write down.

I was furious at this point. My client wasn't happy that my attention was on this call and not him and his wife. I was trying to be professional and not answer phone but the woman would not allow me to focus on my job and was insistent that I attend to her tantrum. 
Before I continued my meeting, I called the number ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX and gave the gentleman on the phone the case number that the threatening woman had me to write down. These people are harassing me over a Discover Card debt that is well past the Statute of Limitation. The man on the phone made sure I knew that he knew my Social Security Number and the name of the county I lived in. He told me that there would be legal action taken against me that would lead to a lien on me.

During the exchange with the man on the phone he did not tell me the amount that he had hoped to be paid, suggest a settlement or even acknowledge that the debt was indeed decades old.