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

I had an account with XXXX, and cancelled the account due to a move. They had on record that I did not return their modem, and charged me {$120.00} for it. The thing is, I returned the modem and have a receipt for the return and that it reflects no balance owed. 

They turned the account to collections, and it ended up on my credit reports. I successfully disputed it through XXXX by explaining and providing the receipt. I attempted to do the same for XXXX   and Equifax but it was rejected after investigation. 

I would like to have the incorrect information removed, as it is inaccurate and damaging.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

showing address that don't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #
Complaint sub-issue: Other problem getting your report or credit score

Some time back ( years ago ) my wife and I froze our credit reports. We are in the process moving to an apartment in Massachusetts and need to temporarily unfreeze the accounts. 

I tried to do this today -- XX/XX/2020. 

XXXX was easy. They have a user friendly website and I was able to unfreeze both accounts. 

On the other hand, both XXXX  and Equifax have very unfriendly websites and useless phone numbers that walk you down deadends and then hang up on you. Equifax uses non-American people who are very difficult to understand. 

I can not unfreeze the two accounts and am very frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

Pnc bank located in St.Louis MO on Page and Grand.Committed the perfect crime. I need someone to investigate the fact of somehow I had a believe 9 checking accounts. Hmm guess to confuse Me. Then why over 60 thousand dollars in tele transfers were not authorizedby me nor had I ever made transfers over the phone ever. I wish to know where and to whom the money 60 thousand went. The employees at this bank lie and work together in a stem and know what to do to cover there assets if someone brings up something alerting them to the misdeeds So heads up at how you go about catching these crooks...

Also the telephone calls recordings I need to know how to obtain such evidence to clear myself of a false claim of a felony crime for making a terrorist threat. Sad insane and gross..

Please help
Complaint sub-issue: Reinserted previously deleted info

My name is XXXX XXXX XXXX XXXX XXXX.Pa.XXXX Last XXXX digits Soc. Sec # XXXX.Birthdate - XX/XX/XXXX. 
I have contacted Equifax to get the Method of Verification regarding my dispute sent via certified mail multiple times via certified mail and Equifax has not provided me the information that I have requested per the FCRA. 
The bankruptcy is inaccurate and after sending the dispute Equifax has refused and asked me to contact the court. I called them and they advised they did not send Equifax any data or verify this information. 
I believe they are relying on third party information that is inaccurate, I asked them for the Method of Verification and they have refused. 
If no Method of Verification is received as I have requested then I will begin to pursue legal action due to Equifax continued willful non- compliance that has caused me harm .FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states * If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 6 ) ( 7 ) states a credit reporting agency shall provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 DAYS after receiving a request from consumer for that description, Since Equifax has not provided me Method of Verification within the 15 day period required by the FCRA I want this inaccurate bankruptcy removed from my credit report.
Complaint sub-issue: Overcharged for something you did purchase with the card

I used my credit card for 2 months, I made 3 payments, my credit card was paid in full. The citi bank still want {$390.00} from me, but they ignoring me, they do not want to solve the problem. This is fraud.
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy. My attorney approved for me to obtain a car in XXXX. I have never missed a payment and have not had any credit cards since all accounts were closed in XXXX. XXXX XXXX recently offered me a way to build my credit. I have made 1 of 6 payments to them. 

I am working to try to refinance my home ( currently has my ex-husband and my name on mortgage, but he signed a Quit Claim Deed ). I divorced my first husband back in XX/XX/XXXX. 

Each time a lender pulls my credit, it comes up with the following statements. 

1. Length of time since derogatory public record or collection is too short 2. Serious delinquency, and public record or collection filed 3. Time since delinquency is too recent or unknown 4. Lack of recent revolving account information I am trying to work to REBUILD my credit. Please help me to understand what I am doing wrong and why my credit history still reflects these statements and lenders will not afford me an opportunity to even work with me to refinance my mortgage.
Complaint sub-issue: Their investigation did not fix an error on your report

i recently disputed inaccurate/invalidated accounts with equifax over 90 days ago and those same accounts still appear inaccurate. Also i never received a response back from the last dispute over 45 days ago explaining why these accounts are inaccurate. this really has put me into XXXX seeing this. i tried looking to dispute these with the collection agency but equifax is in serious violation because they have no information on the accounts as in address phone number or nothing so i could dispute. im seeking litigation. i just XXXX fcra section 611 and it states these accounts must be removed as well.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX XXXX. I am submitting this dispute on behalf of myself against Total Card Inc. The correspondence below has been received by Total Card Inc., via certified mail and their inability to cease reporting and delete said account from my consumer data files is the basis for this complaint. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use E-OSCAR software that does not complete thorough investigations and is in direct violation of FCRA 611 ( a ) ( 2 ) ( A-B ). I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in FCRA 623 ( b ) ( 1 ) ( A-E ). It is your responsibility as a data furnisher to adhere to the above federal regulation in regards to the reporting of such updated account info. I recently paid this account in full as part of a settlement with the collection agency XXXX XXXX XXXX, yet this account still reports as a charge off and shows erroneous and erratic/unknown reporting that I have attached to this complaint. This is a major violation of FCRA 623 ( a ) ( 1 ) ( A-B ) since the account can legally no longer be reported as a charge off as the account has been written off, and its status has been changed to paid. It is also Total Card Incs duty to correct and update this information under FCRA 623 ( a ) ( 2 ) ( A-B ). Please update the reporting of this item as paid and remove any further charge off reporting. If this change is not seen on my consumer data files and if youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by FCRA 623 ( b ) ( 1 ) ( E ) ( ii ), to advise the credit reporting agencies, XXXX XXXX, and XXXX  and all other secondary credit reporting agencies to delete this negative information from my credit reports, which can also include complete removal of the account. See attachments. 

Failure to adhere to my request would make me, XXXX XXXX XXXX, due compensatory damages pursuant to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. All correspondence should be sent to my attention at the above address. 


Account identifiers : XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX  XXXX Inquires : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 Equifax Employer : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME. 

1. XXXX 2. XXXX BANK 3. XXXX XXXX XXXX 4.  XXXX
Complaint sub-issue: Information is missing that should be on the report

My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries removed.
Complaint sub-issue: Account information incorrect

The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; Chapter XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to Equifax earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to Equifax they verified the bankruptcy information with XXXX XXXX. This statement is as a result of an error on their part or either is an outright lie as I have documentation from XXXX XXXX stating that this information is not on file with them. If a complete investigation had been made it was not verified by XXXX XXXX. I'm including XXXX XXXX in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.
Complaint sub-issue: Company closed your account

I have best buy credit card through citi bank and i noticed from my credit monitoring account that the account has been closed by the creditor and i have received no communication from the bank. Neither by email nor by paper mail which the bank has been claiming that they have sent. 
I am requesting to please look into this because reapplying for the account will effect my credit score as i have already got effected when I applied it for last time.
Complaint sub-issue: Problem during payment process

Received a settlement letter in XX/XX/XXXX from Discover, we sent a check in by the requested date to settle the account. The check showed up as deposited in our bank account so we figured the account was settled. Fast forward to XX/XX/XXXX we received a letter from Discover saying the account has still not been paid even though we have documentation showing the check has been deposited into their account. On that day we called customer service to see the status of the account, and they reported the same information as to the letter we received. They had us send in copies of the check and bank statement. Fast forward to XX/XX/XXXX we received another letter from discover saying that we still owed. We have called Discover multiple times to get this situation rectified.
Complaint sub-issue: Their investigation did not fix an error on your report

I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXXXXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

XXXX
Complaint sub-issue: Public record

I received a phone call XXXX about a traffic citation that occurred in XXXX XXXX Florida XX/XX/XXXX XX/XX/XXXX. The citation # issued that date XXXX. That is exactly XXXX years, XXXX months, and XXXX days from today. I never received a notice in the mail XXXX about this debt, but yet the company placed erroneous information on my credit report. I paid all of my outstanding tickets XXXX which allowed me to have a valid FL Drivers license and has been active for more than XXXX years. XXXX XXXX never submitted to me anything in writing about the debt and have not validated that the debt actually exists. The XXXX XXXX XXXX XXXX XXXX Court does not issue any licenses without paying outstanding citations. I do not owe the XXXX XXXX XXXX XXXX Court for any citation nor have I been notified of any outstanding debts from them. All debts have been satisfied. XXXX XXXX only reason for reporting this information to the credit bureau is to discriminate against people of monority descent. We ask that you intervene and request that XXXX XXXX provide proof that there is an outstanding debt and that it actually has ownership of the debt from the original creditor. I checked the XXXX XXXX XXXX XXXX Court website today and did not find any traffic citation that matched the one reported on my credit report. See web link XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXX to the timing of payments
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #
Complaint sub-issue: Attempted to collect wrong amount

took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call western sky Delbert collections
Complaint sub-issue: Reporting company used your report improperly

Equifax has violated my rights and has caused me distress. I have been disputing inaccurate information with this company for several months. They have responded stating they would verify the information and never conducts the proper investigation. A proper investigation is performed when they interviews parties and they have failed to do that. Per their website in the Data Sharing Policy " they are required to keep a record of the consent and to provide a copy of it upon request ''. I have requested a copy of each consent and have not been provided with this information. Equifax assumed this role without my permission and without my CONSENT! Equifax has violated my privacy under 15USC1681 ( 4 ). They are not treating me fairly, they are being partial, and they failed to holdup their responsibilities. As a result of this inaccurate information I have been denied employment and stable housing. This company has also compromised my personal data in several of their data breach. As of result of this, my personal information has been placed on various websites and have been used by others.

I am request full removal of the following in accurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT REQUESTING A DISPUTE BUT A REMOVAL This information was placed inaccurately on my credit report, without my consent, and Equifax has violated consumer laws. 

I have spoke with several managers and they have advised that Equifax put all information given to them with verifying that the information is correct. 

I have also filed a report with the FTC
Complaint sub-issue: Account information incorrect

This collection does not belong to me and I want it removed immediately