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

I, XXXX XXXX XXXX, a consumer, demanded XXXX and Equifax to remove accounts off of my credit report. I have sent over four dispute letters, and one of them is an affidavit. The first dispute letter to remove the accounts described in the letter was on XX/XX/2021, the second dispute letter was sent on XX/XX/2021, the third dispute letter was sent on XX/XX/2021. Lastly, the fourth dispute letter which was an affidavit of truth, was sent on XX/XX/2021. 

XXXX and Equifax continue to violate my consumer rights due to their negligence and failure to comply. Both, XXXX and Equifax, violated my consumer rights under 15 U.S.C. Sec. 1681i ( a ), must complete the reinvestigation within 30 days of receipt of the dispute letters. As well as, pursuant to 15 U.S. Code Sec. 1681 ( b ) XXXX and Equifax does not have permission to report these accounts on my behalf. For violation I am entitled and seeking a total of {$2000.00} from each company. I have also sent and attached an invoice of {$2000.00} along with the affidavit of truth dispute letter as a result in damages.
Complaint sub-issue: Company closed your account

I received notification from the credit card company ( citibank ) that my account had been closed. After contacting them to inquire on why the account was closed, they informed me that it had been closed at the request of myself. I had never requested closure of this account so now my concern is my identity has been stolen and someone is making decisions at my behest. I asked the company to provide me with the documentation or phone recording of when this closure was approved and they have disconnected me and gave me no help in identifying how this happens. They have also refused to reopen my account after I informed them that I was not the person who requested the closure. At this point my concern is someone has my identity and the company will not help me in finding how this happened
Complaint sub-issue: Their investigation did not fix an error on your report

I reported to all XXXX credit bureaus that I had a paid service to remove all debt from my credit in 2018 and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX  XXXX XXXX XXXX XXXX that were in my name not the one I am an authorized user on. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The credit bureaus are in violation of Section XXXX of FCRA. 


Thank you.
Complaint sub-issue: Investigation took more than 30 days

XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2.XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late XXXX XXXXXXXX XXXX XXXX XXXX This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX XXXXXX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late EquiFax Information Services- they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX XXXXXXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3.XXXX  XXXX I was never late 4. XXXX I was never late
Complaint sub-issue: Personal information incorrect

My DOB is wrong on my Equifax credit report and multiple previous addresses are listed that I have never lived at.
Complaint sub-issue: Reporting company used your report improperly

I am consumer XXXX XXXX XXXX. I am being federally violated by equifax and they are committing a crime pursuant to 15 usc 1681 ( b ) ( 2 ) I never gave written permission to equifax. I demand that the tradelines listed be deleted convergent outsource XX/XX/2021 XXXX XXXX XXXX XXXX. No consent is identity theft this company is infringing on my right to privacy. I did let the federal trade commission know that this crime is taking place. Equifax is not a bureau. pursuant to 15 usc 1601 103 ( b ) bureau - the term bureau means the bureau of consumer financial protection. pursuant to 15 usc 1681 c-2 block of information resulting from identity theft. ( a ) except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such an agency
Complaint sub-issue: Debt was paid

I received debt collection from EOS CCA regarding a XXXX XXXX I already paid back to XX/XX/2016. The debt EOS CCA collected is {$450.00} with statement date of XXXX. 

I faxed EOS CCA dispute department at XXXX on XXXX providing with the bank statement showing the payment {$340.00} being made. My dispute was refused when I call the dispute department on XXXX because the amount what I paid {$340.00} is different from what they asked for. The dispute department said that what I paid is for the different account they asked for. However, during that time, I only have XXXX XXXX account. 

In XXXX, I did email to XXXX with the proof of payment to dispute the charge with the following information. Unfortunately, I did not get any response. 

In the attached file, please review my original email dispute with bank statement to validate my payment.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.
Complaint sub-issue: Can't close your account

During a telephone conversation with Discover on XX/XX/XXXX XXXX 1 ) requested to have my credit card account closed and 2 ) requested copies of all statements from XX/XX/XXXX to XX/XX/XXXX in order to determine if any charges were fraudulent. I was told my account was closed as of XX/XX/XXXX. I received the requested statements later in XXXX. I followed up in writing on XX/XX/XXXX confirming both requests. 

In the XX/XX/XXXX follow up letter, I identified {$890.00} in fraudulent charges that I requested to be reversed. I provided detailed information regarding the dates and amounts of the disputed transactions. I have received no response from Discover and no charges have been reversed. 

Since the XX/XX/XXXX request to close my credit card account I have had an additional {$200.00} in credit card charges. These consist of four monthly charges of {$17.00} from XXXX and one charge of XXXX from XXXX. 

On XX/XX/XXXX I had another phone call with Discover. I was told that my account was not closed on XX/XX/XXXX. I was again told that my account would be closed. I hope it was, but am not confident. I was also told that Discover would not reverse the charges described in my XX/XX/XXXX letter nor would they reverse the {$200.00} in charges described above ( charges made since I requested the credit card be closed on XX/XX/XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Old information reappears or never goes away

Recently checking my credit report Equifax on XXXX/XXXX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from XXXX to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled.
Complaint sub-issue: Debt is not yours

I want to bring this matter to your attention. I am certain that you must receive thousands of consumer complaints and many of them must be nothing more than angry consumers ranting and raving over nothing. I will attempt to not make this another one of those complaints and do my best to make this complaint effective yet concise. <P/>For 5 months I have been attempting to fight a collection account on my XXXX credit report that I do not owe. I have attempted to fight it with the three national credit bureaus. I have also attempted to fight it with the collection agency reporting the account. They go by the name of Enhanced Recovery Corpopration. Every time I attempted to dispute the account, the account would come back with investigation results of verified. after 2 months of disputes, I decided to call the collection agency myself. I spoke with a XXXX XXXX at ERC on XX/XX/XXXX-17. Because ERC kept verifying the collection account with XXXX, I decided to ask XXXX XXXX for any supporting documentation above and beyond a simple dunning notice that the amount they were purporting was owed was actually owed. I gave specific instructions to provide me with any itemization they had and any documentation with my signature. To this date I have yet to receive any paperwork and it is still on my credit report. <P/>I have n't just stopped being proactive in this matter either. On XX/XX/XXXX, I called because no documentation had been received and the thirty day validation period had expired on XX/XX/XXXX-17. I was told by ERC that they had received the requested paperwork on XX/XX/XXXX and had sent it out. I was supposed to receive it within 7 business days. That means XX/XX/XXXX. Again I did n't receive anything. I decided to be a little patient but my patience ran out on XX/XX/XXXX. I called ERC and was transferred to the office of the President or so they claimed. XXXX XXXX was the name of the representative who I spoke with at the office of the President. I told them that I had been waiting for months for this so called paperwork they had and informed them that if I had not received the documentation I would be filing this complaint. I even gave them my personal fax number and went trough the motions for them to have it sent to me by fax since their mail obviously was either not being sent or somehow not getting to me. XXXX told me that I would receive this purported documentation very soon. Here we are 2 weeks later and again no fax. ERC seems to not have a care in the world when it comes to following rules and regulations. What more can I do to make them follow the law and stop reporting accounts that do not belong to me? I have been at this for 5 months and they STILL ca n't provide me with any paperwork. Please look into this company as I 'm sure this is not an isolated event.
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX however Equifax and XXXX it is still reporting. These bankruptcies do not belong to me and should be removed from my reports
Complaint sub-issue: Received bad information about your loan

FedLoan incorrectly notified me when I needed to re-certify my loans for IBR in XXXX. I received notice from them on XX/XX/XXXX that said I needed to recertify my loans by XX/XX/XXXX or my payment would increase to {$480.00} with the first payment due XX/XX/XXXX. 

When I received my XXXX bill, my payment amount had already changed to {$480.00}. When I called they said I had made 12 payments already on my current IBR plan. I explained I had just received a letter that said I needed to recertify by XX/XX/XXXX and the payment amount not increasing until XXXX. I paid the full amount of {$480.00} because I did not want to miss a qualifying payment. 

I submitted my IBR documentation for immediate review and received a revised payment of {$230.00} with first payment due XX/XX/XXXX. 

FedLoan admitted their letter was incorrect and should have been sent 60 days sooner than it was. On XX/XX/XXXX they told me FedLoan could perform an override and provide me a refund. 

It has been 17 months and no override has taken place and I have not been refunded. I am nervous about filing the complaint and receiving a refund because I am on PSLF. I can see this causing cascading issues with my qualifying payments because FedLoan has already shown mishandling of that information with my account. Extra care and caution must be exercised with resolving this complaint.
Complaint sub-issue: Debt was paid

I had a bad debt from an apartment move out. I offered to pay for what I felt I owed but the apartment company would not discount the final bill to what I felt was reasonable and covered in my lease. They sent the debt to collections. After several phone conversations to get the debt reduced to what I owed I was not successful. The last representative I spoke to offered me a number and told me I had to pay then to resolve the debt. I said I would not make a payment over the phone and that I wanted and invoice sent to me to define the settlement. He said he could not do that so no way I was giving my CC info over the phone. Then he told me I could go only to the website. I went right to the website and entered my account info that was given to me. The website gave me an option to make a settlement offer. I entered the $ I felt I owed first and it came back as a no on settling that amount. I made a second offer and that was accepted. I paid the agreed settlement and a $XXXX processing fee and the debt was settled. I printed the letter and confirmation from the website and was done. 

They started calling me again and when I answered no one said anything so I called back on XX/XX/2016 at approx XXXX. The person that took the call told me I still owed them money and my settlement wasn't enough. I told him I used the website and got an accepted offer and took it.He basically said that I still owed the rest of the debt. He said the documentation I claimed I had wasn't valid. 

Out of frustration I spoke some curse words and hung up.
Complaint sub-issue: Didn't receive terms that were advertised

I opened and funded a savings account and a checking account with Citibank based on an offer I received promising a {$1500.00} bonus to do so. 

The accounts were opened on XX/XX/XXXX. The accounts were funded by XX/XX/XXXX. I believe that all the conditions of the offer were met. No bonus was ever received. 

On XX/XX/XXXX, I had a telephone call with my Citi account representative, XXXX XXXX, about the missing bonus. She requested that I e-mail documentation about the offer to her. 

That day, XX/XX/XXXX, I sent the requested e-mail to XXXX XXXX, including attachments describing the offer and the bonus. 

After hearing nothing, I sent a follow up e-mail to XXXX XXXX on XX/XX/XXXX requesting a status update. 

After no response, I sent a letter via USPS to Citigold Client Services on XX/XX/XXXX requesting a status update. 

To date, I have had no response from Citi, and have not received the bonus for opening and funding the accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : 1. 
XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, XXXX {$1400.00} 3. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference
Complaint sub-issue: Public record

Equifax has a poor site for correcting errors. I have misinformation listed in my report that indicates a negative public record judgment against me. It is not against me, it is against someone else. XXXX had the misinformation listed also, but quickly removed the error ... upon request from me. XXXX did not list this misinformation, apparently they are more careful. What recourse does the public have with Equifax and XXXX? They have filed false information about me and this has cost me credit, and I have had my credit levels lowered by several of my credit card companies ... this could also have cost me an employment opportunity. I have been financially and emotionally injured, and spent a lot of wasted time. It seems to me that we the public, are victims of their casual yet powerful business practices. It is irresponsible of them to post negative information in our reports without at least advising us that they will be doing it. I am glad that there is this opportunity to pull up the annual credit report. If I had not been able to, who knows how much longer this misinformation would have been listed ... 7 plus years? It seems to me that we should be able to have access to our credit reports, without charge, every day. 
XXXX XXXX - XXXXXXXXXXXX
Complaint sub-issue: Debt is not yours

I have a collection on my account from a collection company ERC who claims they are collecting on behalf of XXXX XXXX XXXX. I have never had Services with XXXX XXXX XXXX. I contacted them and was informed that they don't have anything on record for me having a bill. I informed them that a collection is on my account in the amount of XXXX. I was informed to submit a complaint and file a dispute with ERC. I sent ERC a letter asking for PROPER validation and I got back the paper work that's included and doesn't make sense.They sent me what appears to be a billing statement from XX/XX/2013 that does not have account details. This collection is bogus and I want it immediately removed from my reports.
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield has caused me much anguish by reporting an invalid debt to XXXX, XXXX, and XXXX for 5 years and 10 months. Hunter Warfield increases this invalid debt monthly. Hunter Warfield occasionally removes and then re-insert this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an Open account. I never received notice of this debt from Hunter Warfield. After close to 6 years I applied for a home loan and was denied due to this criminal act by Hunter Warfield so I decided to check my credit file. This is when I noticed the Hunter Warfield account on my credit report. The amount was over {$7000.00}. I knew that this was wrong because I never had a debt of that magnitude. I did some research online and on XX/XX/XXXX decided to send a letter to Hunter Warfield asking them to either prove that the debt belonged to me or remove the illegal item from credit file. On XX/XX/XXXX Hunter Warfield returned a letter to me stating that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did n't enclose a contract with my signature on it because it does not exist.Not only has their wrongful reporting negatively impacted my life, it has also had a negative effect on my family as well.
Complaint sub-issue: Didn't receive notice of right to dispute

I am a current charter spectrum subscriber, when I signed up for the current service I told the rep there was a previous bill of {$75.00} dollars. He called into his supervisor and was told that balance had been taken care of and there was no bill to pay, now almost 2 years later I see a derogatory remark on my credit report saying I owe {$99.00} to ERC for XXXX XXXX?
Complaint sub-issue: Debt is not yours

I contacted Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and requested proof of my debt be sent to me. They continually refuse to talk to me unless I provide them with my social security number. The company seems like a scam and I have never heard of them nor agreed to do business with them. Yet, they are negatively affecting my credit reports.
Complaint sub-issue: Public record information inaccurate

An IRS Tax lien was withdrawn on  XXXX / XXXX /   2017  and after filing multiple dispute with Equifax the lien record has not been deleted from my personal credit report. The status was only changed to " Released '' which is not accurate. I demand that the entry be removed as it has been in all other credit reporting agencies. I am aware of numerous complaints for the same issue against Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I just noticed that there have been several inquiries that have been added by someone that has stolen information. THIS IS FRAUD.
Complaint sub-issue: Debt was paid

XXXX XXXX Hospital billed for XXXX. Between my XXXX insurance carriers, they received payment for the full amount allowable under the contract with my insurance providers. The hospital sent me a bill for the balance, which I disputed. I received one other statement and no further communication, until last month. I received a letter from an attorney 's office regarding the {$600.00} balance. 
I was never given written notice of any plan to submit this amount to collection or to an attorney 's office. The amount I am responsible for was approximately {$60.00}, as reflected in the EOB.