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

As early as XXXX as well as multiple supporting documentation and escalation to the specialty dept. including XXXX, XXXX and most recent, XX/XX/2018, XX/XX/2018 and again XX/XX/2018. I have supplied supporting payment information as well as calling the Collection agency and hospital to no avail. I am able to provide proof of payment and want this information deleted immediately from my report. 

Equifax is the only agency that still reflects this information and it appears there is a black hole when sending supporting documentation. 

Thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

Hello. I was made aware by XXXX XXXX that a bankruptcy was on my credit report. I wrote the Equifax credit bureau twice and included letter from the US Courthouse, XX/XX/XXXX and XX/XX/XXXX requesting their method of verification and I received letters stating that they used a 3rd party company to obtain the record. I visited the XXXX, Ga US bankruptcy court and they stated that they do not verify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.
Complaint sub-issue: Reporting company used your report improperly

Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.
Complaint sub-issue: Debt was result of identity theft

Hello its been 6 months to a year and I have not gotten any results back. The only response Ive been getting is that it been verified .I want to know who verified it. By law in 30 days the accounts are suppose to be remove if no verification been provided.
Complaint sub-issue: Problem during payment process

I had a payment schedule with Citibank for my general purpose credit card scheduled for an amount of {$300.00} on XXXX and received a confirmation email on XXXX stating this is the amount that would be drawn. Citibank drew the full statement balance for {$5700.00} from my account on XXXX without authorization. Citibank posted this as a payment to my statement even though the financial institution who holds my checking account declined the transaction as it would have significantly overdrawn my account. They have charged me a returned check fee of {$30.00} and have sense removed access from the card. I contacted Citibank on XXXX through their online chat and the agent was not helpful and said I can only resolve the issue by calling the bank myself. I then called the bank to address with them their error that was made and asked them if it is legal for them to draw an amount greater than what was authorized and confirmed through email by them ; to which no agent would answer. I demanded they supply to me a copy of the terms of agreement of my auto pay to review. After being transferred multiple times and being placed on hold multiple times as well. I finally ended with an agent named XXXX XXXX employee # XXXX ) who told me he was unable to provide me with the terms and conditions of this agreement. I bluntly asked him if a financial service provider is legally required to provide the terms and conditions of a contract to the consumer upon request and he would not answer the question. I told him that we both know the answer to the question is undoubtably yes and it is clearly stated on the CFPB website that this is a requirement. Ultimately I spent over an hour on the phone with Citibank, who has given me no answer to why they charged a significantly greater amount than what was unauthorized and Citibank has refused to provide me with a copy of the terms and agreements I accepted when enrolling in their autopayment program.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account XXXXCitibank NA , has violated my rights.

15 USC 1681 Section 604 State i have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also States a consumer reporting agency can not furnish an account without my writing instruction.

15 USC 1666 : A creditor may no treat a payment on a credit account under an open end consumer plan as late for any purpose.
Complaint sub-issue: Debt is not yours

i I have tried to Disputed this {$94.00} collection of a medical bill with Equifax. I never recieved a bill at my home address or through my Medical insurance. I've been trying to get them to validate this debt XXXX and XXXX have deleted it from my credit report because this debt has never been validated. There website never let 's you check the status of the dispute when they give you a solved dispute conformation number so frustrating dealing with this bogus {$94.00} dollar debt that I never recieved any bill for. This is debt that easily could have been paid or made payment arrangements on I would not let a {$94.00} medical bill go to collections that's ridiculous I would just like for Equifax to do what's right and remove this from my credit report to whom it may concern thank you for looking into this situation for me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : USBK Court XXXX Georgia # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX has violated my rights. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

This Charge-off appeared on the file that XXXX  keeps under my social security number. I have an extended fraud alert under XXXX  due to identity thief. Due to this I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with ENHANCED RECOVERY CO and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. Equifax and XXXX   continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.
Complaint sub-issue: Not given enough info to verify debt

I just wanted to confirm that this account will be deleted from my credit bureaus. It seems like my last request got sent with the last 4 of my social but in my husband name. 

Thanks.
Complaint sub-issue: Debt is not mine

I purchased a XXXX from XXXX close to 2 years ago. I was told by the sales clerk that the one I picked out for XXXX dollars was not a good XXXX, so she directed me to a more expensive one that was over XXXX dollars for the device and XXXX a month. It is a device that allows you to have wifi service through XXXX without having XXXX in the home you are in. She told me that XXXX of the XXXX dollar one would be refunded after 60 days of having it. So I bought it. I also, of course, had to sign a XXXX yr contract for it. When I took it to where I work since there was not internet service there, it had continual horrible service. I called 3 times over a two week period to speak to customer service and they said there was nothing they could do and that I could not bring it back. They also said that if I tried to get out of my contract there would be a fee for it. They also said there was no rebate on that device, and that the sales person lied to me, but even if there had been there still would n't be no rebate if I cancelled the service for the XXXX. I was told that the charge would be XXXX dollars. My dispute was that if I kept paying on a product that did n't work for the next three months ... that would be more than my rebate that I still had n't seen as promised. I got nothing but a continual lies from them. XXXX customer service was so rude that I just told them I needed to hang up. I could n't take it anymore. I still had my XXXX phone service but disconnected my XXXXI and then I paid my cell phone along with my early disconnect XXXX fee. I tried a few more times to try to get the charge taken off since it never worked in the first place and I should n't have to pay on something I ca n't use AND that I should n't have to pay just to get back a rebate that some sales person said I was entitled to and then another said that I was n't. All of this just drove me crazy so I gave up. I paid my phone bills and then just dropped XXXX since I had been with them for so long that I no longer had the initial contract with them. It is now and has been for a long time on my credit report under XXXX different companies and is bringing down my score. It is upsetting and I do n't know what to do anymore.
Complaint sub-issue: Account information incorrect

mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!
Complaint sub-issue: Their investigation did not fix an error on your report

There is a fraudulent account from XXXX XXXX XXXX reporting on my Equifax credit report and I submitted ; FTC report, personal statement, police report and notarized statement and Equifax never cleared the fraudulent account from my report. Its been close to 60+ days and the item has not been removed.
Complaint sub-issue: Information belongs to someone else

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records and closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
This accounts listed are Not related to any transactions done by me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries are reported with the name XXXX XXXX which is not me nor did I authorize anything. My name is spelled XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several unauthorized Inquires on my report I have already file this Issue with Identity theft.gov confirmation number XXXX. Especially with Equifax there is several. They had someone to hack their system a couple years ago. I dont know if someone hack their system again and did these inquires but they do not belong to me. I have no remembrances dealing with companies below. 

Equifax report Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX I also completed an Identity theft .gov confirmation number again XXXX Transunion Date of Inquiry 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 Also for XXXX which I left a complaint with Identity theft .gov to look into the following inquires that was not authorize by me XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Liability : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX Liability : {$0.00} XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and I seen some inquiries that I do not recognize from XXXX on the dates of XX/XX/21, XX/XX/21, XX/XX/21 I do not recognize these. Please investigate and provide me with the original copy with my original signature for all the dates to provide proof I do not recall these inquiries please remove them.
Complaint sub-issue: Don't agree with fees charged

Dear Madam or Sir : My original student loan with Discover was for {$24000.00} - I have been paying since XX/XX/XXXX - paid a total of {$12.00}, XXXX. Principal paid is {$2100.00} and {$10000.00} in INTEREST! 

I have been in deferment for almost XXXX months because I am getting a XXXX XXXX XXXX and I now see that my deferred interest is {$3200.00}. 

My total loan balance in XX/XX/XXXX is {$28000.00}. 

MORE than the original amount after paying for XXXX years. This is what is called XXXX XXXX. I have tried to refinance and to no avail. If there is anything that you can do to help me, I would greatly appreciate it. Please let me know if I need to send in more details. 
Thank you, XXXX
Complaint sub-issue: Account status incorrect

I have been making payments to XXXX XXXX XXXX for years. I recently settled with them using XXXX debt restructuring and have not missed a payment. For the last three months they have reported to the credit bureau that I am not making payments and its killing my credit score. They are unorganized, sloppy and their mistakes are affecting me.
Complaint sub-issue: Account information incorrect

XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date isXX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
Complaint sub-issue: Account information incorrect

I have never missed any payments on the following account XXXX XXXX XXXX.  Please investigate to ensure the information is correct.
Complaint sub-issue: Information belongs to someone else

The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XXXX XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Debt is not yours

This account was disputed and removed from my credit report. They have added this account to my credit report again, in error.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2019 payment was made by check to Discover Student Loans in the amount of XXXX, to satisfy all obligations. 
This amount is more than what was owed to Discover on that date. 
Discover has since that date issued dozens of false statements which fail to credit my account with the full proceeds of my remittance. 
Discover has falsely claimed that a portion of the loan is still outstanding despite having been informed of the foregoing on dozens of occasions. 
Discover has falsely claimed that the loan is outstanding despite having furnished me with statements on their letterhead which indicate that the loan is paid in full. 
Discover has harassed me for months to pay them moneys that are not owed and has libeled me by reporting that failure to pay them to credit agencies and falsely and deliberately adversely affecting my credit rating. 
Based on the documents supplied by Discover the loan was in fact OVERPAID on XX/XX/XXXX yet Discover refuses to render an accounting despite my demands on dozens of occasions.
Complaint sub-issue: Information belongs to someone else

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. In the letter received, the company says about Ms XXXX XXXX, but I'm not Ms , I am Mr. XXXX XXXX. So I come to a conclusion that I was provided with the false information ( See attached letter ). Also I have no recollection of doing any business with FLAGSHIP CREDIT ACCEPTAN LLC.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I received a notification from my credit card company that a hard inquiry was done on my credit report. I have not authorized this company to pull my credit. I do not recognize this company. 
Klarna/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax over 29 times disputing fraud items on my credit file only with Equifax. I have several accounts that are fraud and the ladies who stole my identity have been found guilty and sent to jail. i have faxed and uploaded every police report and court document to prove to them this wasn't my accounts. when i file the dispute it says 30 days and you'll get our desion, NOT Equifax, within 2-3 days i receive a email saying the items are updated and there correct. 
XXXX XXXX XXXX XXXX is FRAUD XXXX XXXX XXXX is FRAUD XXXX XXXX for XXXX of XXXX is fraud. 
The crazy thing is i received a auto loan of XXXX from XXXX XXXX XXXX back in XX/XX/XXXX and the loan officer stated it looks like we gave a loan out in your name and it was fraud and then he said i'm so glad we caught XXXX XXXX and XXXX XXXX from using your identity. I stated well its still on my Equifax file. He said let me check that for you, 10 minutes later he said the bank has never received any of your disputes and XXXX XXXX as requested several times to have the items removed and blocked. XXXX  and XXXX  have both removed the fraud accounts and blocked them over a year ago but not Equifax. I filing legal actions against Equifax next week. Now my bank is calling my loan in due to whats on my Equifax Credit File. I what them removed asap
Complaint sub-issue: Right to dispute notice not received

The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a following problem I contacted equifax in XXXX to put a freeze on my credit report on XX/XX/XXXX I contacted equifax to remove the freeze they told me to send a fax which I did and I received a letter saying that they can not find my file I called equifax and spoke to several agents who said they can not help but they can see my credit file and they said I have to send in a fax I explained that I already sent it on XX/XX/XXXX they said we dont see a record of the fax I explained to them that I received a letter saying that they received a fax and can not locate my file but the agents told me that they dont have any record that such a letter was sent but I have the letter I am trying to get help from equifax to please locate my file help me remove the freeze and help me log into my account I have an email that I received that I did send a fax transmission for fax tag XXXX destination XXXX and that it was delivered but I
Complaint sub-issue: Attempted to collect wrong amount

RISE is reporting on my credit report in the amount of {$0.00} for account number XXXX. Its stopping me from obtaining credit in my name. This is a fraudulent account. 

* There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.