Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This complaint is in response to a previous complaint I made against Equifax on XX/XX/2021 case # XXXX. In my initial complaint which I will attach for reference, I sent Equifax a dispute demanding alleged accounts be deleted from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Pursuant to 15 USC 1602 ( l ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my consumer report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax this correspondence which they received XX/XX/2021 and here it is now 2 months later and I have not received the results of my dispute. My reputation has suffered tremendously from the reporting of these fraudulent accounts. Equifax is civilly liable pursuant to 15 USC 1681n so once again I am demanding that these alleged and disputed accounts be immediately deleted from my consumer report and I am demanding to be compensated for each disputed account in the amount of {$1000.00} per disputed account totaling {$15000.00} and I would like this compensation via check.
Complaint sub-issue: Can't use card to make purchases

After waiting for nearly a month to receive the credit card I've been approved for, Citibank has frozen my card with an identity theft flag and has " exhausted '' all their methods of verifying it. I am now stuck as a captive customer, can not use my card and can not discuss the activity on my card because I am assumed to be an identity thief. 

I've tried to amicably resolve this issue with my credit card issuer, but the only alternative to their verification is to send a letter through the mail and have me call them back with the code. I have waited multiple days for this letter to arrive, have asked them to provide a tracking number or to re-send and expedite it but to no avail. Citi has given me the explanation that as a business, they can not do that. 

This situation has caused me enormous grief and can not understand why I am assumed to be a criminal by my card issuer. 

Please help me resolve this issue with my card issuer!
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Two months ago, some psycho or phony came across from my XXXX profile and asking me about some winning bonus that I was pre qualified for. They were other questions that they were asking me my bank information and they had the nerve to take out so much out of my bank account and gave to somebody else so they scammed me and I had no other choice but to file a police report on them. The next day or two days after money taken from my virtual wallet spending account from PNC. The scam company contacted me and he said he was sorry but hes not he did that on purpose, so the next day I had to go to my bank and have them dispute the money and everything was solved but the scam company were still on my information and they refuse to deactivate my info out of their info. My stupid self agreed to something that I should of never done and I take full responsibility from that. Two months later I got a call from a PNC Agent name XXXX and he said that they arrested the guy who took all my money and hes telling me he wants give it back to me but I told him Ill leave to the dispute and have them investigate it so I didnt give him any other information because I was under police authorities his number is XXXX if you wish to contact him if you can because he has all of my money. Thank you!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have 2 loan servicing companies  XXXX  and   XXXX   XXXX   stating I owe loan. I contact   XXXX   and they insist that I owed them a {$4000.00} loan. I have never made any payment to  XXXX .   XXXX    states I have made 4 payments that I never have. I have reached out to University of   XXXX   XXXX   and there is only 1 loan. I have been making payment to   XXXX   XXXX   since 2013 only to find out they never sent any funds to the University of   XXXX   XXXX  .   XXXX   XXXX   has put a charge off on my account and refuses to address the funds they owe me. Both companies   XXXX   and   XXXX   XXXX   are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of   XXXX   XXXX  .  XXXX  is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to   XXXX   XXXX  .   XXXX   XXXX   say the loan has always been with them. The credit reporting company   XXXX   XXXX   is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of   XXXX   XXXX   neither companies have presented that loan lnumber.
Complaint sub-issue: Their investigation did not fix an error on your report

I never open this account, I was only a minor when this account was open. I have asked several times to get this matter taken care of, and the credit bureau keeps denying my request. I am XXXX years old now and I have a baby, I cant get my own place are open a credit because of that credit file that someone opens using my Social Security number. I have sent in a copy is my Texas ID, Social Security card, and Bank statement with the address and my name
Complaint sub-issue: Debt was paid

Was notified of a debt with XXXX XXXX went to my local store was told I could only pay it at a corporate store went to the corporate store to pay the debt. I was notified that it was turned over to a collection agency made arrangements with the collection agency, I was paying and XXXX still Notified all three credit reporting agencies that I have a delinquent account this debt is now paid and I still have negative collection accounts on my credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX credit card is reporting to Equifax and XXXX that this account is still open. It is closed. 
XXXX XXXX XXXX is reporting this account XXXX XXXX as open on Equifax and XXXX. This is inaccurately and Fraudulently being reported.
Complaint sub-issue: Billing dispute for services

I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
Complaint sub-issue: Card was charged for something you did not purchase with the card

For over 6 years I have been fighting with Discover Bank over them setting up fake accounts!  I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX!
And one was for a XXXX XXXX site!  discover Bank has been taken to Federal court over 300 times for setting up fake accounts and stealing money>>>
In federal court state court and county courts time and time again it has bee proven that they set up fake accounts and steal peoples money. fake documents, and lie in courts!!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a best buy credit card. In XX/XX/XXXX i went to a best buy store in XXXX New York to buy a phone i got a phone for XXXX plus fee =XXXX i was told i need to spend over 400 dollar to get 12 months no interest. After two day the cell phone stop working ( the phone screen went blank ) i called the store. I was told to turn the cell phone off ten wait a few minutes to turn the phone back on. A few days later i had the same problem, i tries to return the cell phone and the store would not take it back. I called the credit card company and nothing was done. I open dispute with the credit card company three times and nothing has been done about this matter. Today i spoke to a customer service worker at best buy and i was told to call the company that made the phone. I did and i was told there is nothing they can do. I would appreciate your help, i had this cell phone for less than one week, i do not think i should be responsible to pay for this item. The store had 15 days grace period to return the phone, and i tried to return the phone before the 15 days and yet the credit card company do not want to refund the XXXX back to my account. I am currently in company, and i do not have that money. Thank you for your time and understanding.
Complaint sub-issue: Information is not mine

I discovered that I was the victim of identity theft on XX/XX/2015, most likely due to the XXXX breach. I immediately placed a fraud alert on my credit reports and called the creditors. I also requested copies of my credit reports from the XXXX CRAs. I filed a police report on XX/XX/2015, as well as an FTC Complaint. 

I mailed a letter on XX/XX/2015 to Equifax, detailing the information on my credit report that was due to identity theft. This included: XXXX revolving accounts/credit cards that were not mine, XXXX inquiries that were not mine and that I did not authorize, and an address that was not mine. I based this letter off of the FTC guidelines and included the following as enclosures: the police report, the FTC Identity Theft Affidavit, proof of identity, my credit report identifying the information to be corrected/blocked, and a copy of FATCA 15 U.S.C. 1681c-2. I requested that the fraudulent/incorrect information be blocked with XXXX business days, in accordance with FACTA. 

I mailed the letter to Equifax certified mail, return receipt requested, on XX/XX/2015 It was signed for on XX/XX/2015, according to the return receipt. On XX/XX/2015, I received an automated email from Equifax, stating that my reinvestigation was started and that it could take up to XXXX days to complete. I checked my credit report on XX/XX/2015, and found that all of the fraudulent/incorrect information was still being reported. I called Equifax that day and was transferred many times before being connected to the fraud department. I explained that this was not a regular FCRA dispute, but a FACTA dispute resulting from identity theft. I cited FACTA 15 U.S.C. 1681c-2 and stated that the information should have already been blocked, as it was governed by a XXXX day timeline, not a XXXX day timeline. I was told that they were waiting on a response from the creditors. I explained that this was their responsibility, not the creditors, and that it had to be blocked while they investigated. However, the Equifax representative repeatedly said there was nothing they could do at this time and offered me the address to their legal dept. 

As of this date, XX/XX/2015, the items continue to be reported on my Equifax credit report, 16 days and 12 business days after receiving notification. I am in need of a new car, but I cannot apply for an auto loan with these fraudulent accounts and inquiries on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled my credit report and noticed several inquiries that I did not authorize. I sent in a letter to have the sources investigated to Equifax. Ive called in and the results are always given within 3/4 days, which is not enough time to investigate. The following are the inquires I am disputing : XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/. I have contacted the original creditors and they have no record of my information.
Complaint sub-issue: Reporting company used your report improperly

Account number XXXX ( THIS IS THE ONLY INFORMAITON SHOWN ) ACCOUNT NAME : XXXX XXXX XXXXXXXX Original balance {$1300.00} I need help, there is a reporting of a collection that i have no record of, no proof nothing has been sent to me show to this has my signature and this is my actual debt!! I am tired or calling of sending emails to equifax with no response they only send me a letter saying its verified. BUT ITS NOT NO PROOF IS SHOWED TO ME. LIKE A CONTRACT, SIGNATURE DOCUMENTS. NOTHING!! THERE ISNT EVEN INFORMATION ON THE ORIGINAL CREDITOR TO GET A HOLD OF!!!!

YOURE ABUSING MY RIGHTS AS A CONSUMER SECTION 604 15 U.S.C 1681 B SECTION 605 A 15 U.S.C 1681 C-1 SECTIONS 605 B 15 U.S.C. 1681 C- 2 I need this collection removed, this account does not belong to me!!!
Complaint sub-issue: Public record information inaccurate

My case relates to Equifax Confirmation # XXXX the alleged bankruptcy that is reporting on my credit report. I sent a dispute letter to Equifax XX/XX/21. Along with this dispute, I provided documents from the Courthouse Clerk that the bankruptcy court does not report to the credit bureau, A letter from XXXX that the bankruptcy was not verified and has been removed, and a copy of the letter that XXXX states their resource to verify bankruptcies is XXXX. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) and in violation of the Fair Credit Reporting Act. Equifax did not properly investigate my dispute and take in consideration of the supporting documents. In response, I received a letter on XX/XX/21, dated XX/XX/21 from Equifax stating the company has verified the information and has certified to XXXX that the information is accurate. However, this is false because courts don't report to agencies/credit bureau , XXXX could not verify the alleged bankruptcy and was removed. If XXXX is the source that XXXX uses to verify the alleged bankruptcy. How is the bankruptcy verified and accurate? As a result, I would like for CFPB to investigate this matter. Copies of the Disputer letter and supporting documents has been attached.
Complaint sub-issue: Account information incorrect

I have tried several times to have incorrect and incomplete information deleted but it just keep coming back when its clearly inaccurate. Amounts, payment history and dates have been wrong but every time they just keep coming back even though dates dont match history is not reported or reported incorrectly. Please delete.
Complaint sub-issue: Other problem getting your report or credit score

Ive applied for a new mortgage and several lenders, myfico, XXXX XXXX and ect is unable to access my equifax repeort. Ive called equifax 12 times and have been advised theres no freeze nor fraud blocks. However, no one can access the report thats jeopardizing me loosing my forever home. The error message is notating mismatch information, however Equfax has verified all information to be correct several times.
Complaint sub-issue: Didn't receive enough information to verify debt

MRS BPO Account # : Unknown Amount : {$260.00} To Collection Manager : This is a second letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ) which had been deleted and readded as MRSBPOLLC and various names abbreviations pointing to your organization. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with MRS BPO and if or where I agreed to have business with you or  paperwork contracted for myself, XXXX XXXX & MRS BPO. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless MRS BPO can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above.

Thank you for your time. 

XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is reporting a Closed and Paid in Full Account inaccurately. I have sent them requests to correct this account starting in XXXX of 2022, with a follow up in XXXX 2022, then another follow up in XXXX of 2022. The time they responded they stated " verified by furnisher ''. However, this is not the furnisher 's error. It is how EQUIFAX is reporting the payment status. They are reporting a derogatory payment status : A payment status is to report the CURRENT PAYMENT STATUS. 

XXXX XXXX XXXX : its paid in full and closed- XXXX ) they are reporting the payment status as " At least 120 days or more than four payments past due " The two year history show all on time payments. This was NEVER LATE. even if it was, the status is outdated, incomplete, and inaccurate. 
UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' THEY ARE IN VIOLATION OF FCRA GUIDELINES. KEEP IN MIND I WILL NOT ACCEPT ANYTHING BUT THIS ACCOUNT BEING CORRECTED AND UPDATED TO SHOW THE CURRENT ACCURATE PAYMENT STATUS. THIS HAS DAMAGED MY CREDIT FOR OVER A YEAR NOW AND IF THIS ACCOUNT IS NOT CORRECTED IMMEDIATELY, I WILL PURSUE LEGAL ACTION AGAINST EQUIFAX FOR THEIR DISREGARD FOR FEDERAL LAW. Ive included all certified letters, as well as all the credit report with the inaccurate information highlighted.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent Equifax a dispute letter requesting inaccurate accounts be removed from my credit report file. I never received a correspondence back from Equifax. On XX/XX/XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax for these as well. I mailed another letter on XX/XX/XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letters for violation to respond within 30 days
Complaint sub-issue: Problem with customer service

I applied for the XXXX limited waiver in XXXX of XXXX. Since then the process has been excruciating. Customer service through one company located my qualifying payments from XXXX and XXXX forward but then nothing else was done. I spent at least XXXX hours on hold, to get no answers, or misleading information. No one ever tried to or did locate my payments made between XXXX, so I found and submitted them. 

My loans were transferred to Mohela in XXXX and I sent XXXX separate messages asking for clarification about these missing payments and did not get any response until XXXX. The response was generic and it told me to call a phone number. I was placed on hold for approximately an hour to locate a supervisor from the Customer Advocacy Team. She could not and did not help, except to tell me that 6 years of my loans were not eligible or ineligible, but couldn't even be counted because I was allegedly a XXXX XXXX XXXX. I was not a full time or even half-time student during those years and was informed to submit a letter stating this, which I have now done on XXXX different websites. 

No one can find my loans from XXXX STILL and the Customer Advocate told me that since I just submitted them ( which was not my responsibility ) it will likely be another 90 days on those and there is nothing she can do. 

Because it has been a year since I applied, I then had to re-submit proof of my current employment, which I have done and again, no-one has reviewed it. 

I have spent about XXXX hours of my life trying to engage with this system. I have been on hold for a total of at least XXXX hours with no real help. I am a highly educated and motivated individual who happens to have some time to do this. If I was a single working mom it is likely I would have given up by now. As I told the woman who was supposedly a customer advocate, this is a system intentionally designed for failure. They need and want people to give up. 

The government should create a real advocacy system for borrowers who may still be working XXXX jobs to make ends meet and do not have the time for this. The lack of communication is astonishing. The waste of time and taxpayer money just on my case is astounding. Why doesn't someone just take my file and work with it until it is done? Instead it is shoved from one system to another with more and more people throwing their hands up in the air and saying " sorry, I can't do anything ''. 

I spent XXXX hours of my life on this yesterday. I feel that nothing will come of it. The system is a sham. Someone should be hired to re-vamp and fix this whole system.
Complaint sub-issue: Problem with fees

In XXXX, I helped my Aunt get a computer in a XXXX XXXX. Due to her declining health, she no longer knows how to operate a computer, so in XX/XX/XXXX, I got rid of her computer and " cancelled '' her subscription to XXXX. XXXX continued to bill me for 4 more years. No matter how I tried to cancel the subscription, it continued to be billed. Last year, I closed the credit card account the XXXX was being billed to. Unrelated, our family moved, so I have a new home address, phone #, and email address. In XX/XX/XXXX, XXXX billed me {$89.00} again. I did not recognize the charge notice from the credit card until XX/XX/XXXX, since I thought it was junk mail. In XXXX, I happened to open the letter and saw I was being charged for XXXX on a closed account. I called CitiCard and reported it as a fraudulent charge in XX/XX/XXXX. CitiCard denied the fraud claim in XXXX and referred me to XXXX. I contacted XXXX and after a long conversation, I received an {$89.00} refund ( full amount ). I got the CitiCard statement in XX/XX/XXXX, and the XXXX {$89.00} credit is there, but the fees and interest are still there in the amount of {$130.00}. I called CitiCard and they can not refund fees and interest on a closed account. CitiCard accepted a charge on a closed account, charged fees on a closed account, took a refund from XXXX on a closed account, but can not reverse fees and interest on a closed account. Please help me get the fees and interest charges reversed. Since my account is closed I no longer have the credit card and I do not have the 16 digit number. Statements don't have the 16 digit number, and credit companies will not provide the number over the phone.
Complaint sub-issue: Debt was result of identity theft

My information was stolen and used for a utility bill Ive been XXXX  too many times to even have any debt owed. XXXX XXXX is the dates they have down Ive been in North Carolina for 3 yrs. The amount is XXXX.