Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I was a renter at a property at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I moved out, and received a release on XX/XX/2016. I received my full deposit as well. I had called XXXX XXXX  XXXX XXXX, and canceled my account at that address. The landlord/owner claimed he had family coming and stated he would have them continue service, but of course in his name. XXXX XXXX, made an error and did NOT change the name. I was never notified by any party, and only discovered a collection for {$290.00} when I checked my credit. I talked directly with XXXX XXXX  XXXX XXXX, and they said I need to work with the owner, which is not correct since I could prove I had called to disconnect, and I also had proof of not living at that address at the time of the charges. I called the landlord/owners representative, a rental agency, and they agreed the owner would pay, as he had possession of the property. They never paid, and will not return calls at this time. I disputed with all three credit bureaus, and they did ZERO investigation, and let the collection. I.C. System, INC never sent any information to me, or request, and have inappropriately reported a collection without ANY investigation!!! Or contact!!! I have attached a letter from the owners representative, confirming, I now longer resided their, nor was I responsible for any utilities at the time this bill was referring.
Complaint sub-issue: Was not notified of investigation status or results

I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted two separate disputes requesting that Equifax remove the illegal negative authorized user account with XXXXXXXX XXXX from my credit report as I am not the legal owner and it is illegal to be reporting this negative account on my credit. Two times now Equifax has sent me confirmations that the work has been completed and the account removed from my credit. My mortgage company issue a new credit report today and this account is STILL on my credit!!! 

Per the FCRA : As an Authorized User, I am not legally liable for this debt as per section 603 of the FCRA. This debt should have been removed from my credit profile when it first went delinquent in 2022. Please have this updated ASAP and send me written confirmation of such.
Complaint sub-issue: Reporting company used your report improperly

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

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXXXXXX XXXX ) Account # XXXX, has violated my rights. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

It is absurd that 1 late payment after 5 years of all on-time payments results in an XXXX point drop to my credit score. How is that even justifiable. This resulted in one of my credit card reducing my limit which will in turn lower my debt ratio resulting in another decrease in points. Absolutely ridiculous. The cfpb needs to start protecting consumer rights against the arbitrary scores the credit bureaus determine that results in serious financial impact to the consumer.
Complaint sub-issue: Problem making or receiving payments

On XXXX XXXX, I went on the Citibank website ( Citibank.com ) and accessed the Bill Pay feature to make a payment to my XXXX XXXX XXXX credit card ( Card # XXXX ). The eBill payee was set up as XXXX XXXX XXXX in XXXX, DE and funds were supposed to be remitted immediately. On the last page, the website stated XXXX/XXXX/XXXX as the payment date when the payment would be taken out of my checking account. I remitted {$110.00} from my checking account with Citibank to pay my XXXX XXXX XXXX credit card. On XXXX/XXXX/XXXX, {$110.00} was taken out of my checking account but nothing was posted to my XXXX XXXX XXXX credit card account. I called customer service at Citibank at XXXX and spoke to XXXX, a customer service supervisor overseas who told me that the funds were disbursed to XXXX XXXX XXXX and could never be reversed. She told me that it will be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX which is a Monday because XXXX/XXXX/XXXX was on a Saturday. She also told me that she would call XXXX XXXX XXXX to confirm that the funds were en route to the right account but she did not. She then transferred me to a customer service supervisor at CItibank in the US who stated that the transaction can not be reversed and the funds will be posted to my XXXX XXXX XXXX account on the next business day. I then called customer service at Citibank at XXXX on XXXX/XXXX/XXXX and spoke to overseas customer service representatives who told me that the funds would be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX, I checked my credit card account with XXXX XXXX XXXX and noticed that the funds taken out of my Citibank checking account were not disbursed as promised.
Complaint sub-issue: Attempted to collect wrong amount

I have had an issue with AllianceOne collection company. The send me a bill XXXXhatI didn't recognize and that doesn't apply to me at all! 
I called on XX/XX/22 and asked to speak to a manager, after conversation with the representative by name XXXX XXXX, which was rude and obnoxious - I was told they only have four managers and they were all busy and someone will call me back by end of the week. On XX/XX/22 I received a call- the individual did not give me a name, the first thing I was told was that the conversation would be recorded. She never provided her name, company name she calling from, and spoke to me like I was inconveniencing her- one of the worst customer service experiences. I explained my issue- I had a working XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, but for some reason their transponder or accessories did not successfully withdraw money from my account when I went through a toll. 
The toll was {$16.00} but bill with all fees {$66.00}, ( Two bills one with account number XXXX, for {$66.00}, and the second one with account number XXXX with same amount {$66.00} ) she told me she would give me a {$20.00} discount and I would need to pay {$46.00} due to administrative fees. 
I told her I have proof that I had a working XXXX account and I can provide a copy of my bill that I had a working XXXX. Plus, before that, I contacted many times with The XXXX XXXX XXXX XXXX XXXX XXXX, and several times answered all letters from them and filled out special forms with dispute about my payments, but these agencies did not answer me anything to my disputes and transferred information to the collection service AllianceOne. 
She did not pay any attention to any of my arguments and continued to squeeze money out of me that I should not pay in a very rude manner. 
I asked, why I should pay money or some kind of fine due to the fact that the equipment of the XXXX company can not withdraw money from my transport, or have technical problems that day?! 
Representative of the collection service " AllianceOne '' told me that if the case got to them, then I am obliged to pay and not accept any arguments... 
It's just extortion of money from customers! 
Unfortunately, in our country and the protected pandemic, many citizens have problems paying for travel through XXXX, and some of our fellow citizens do not have XXXX accounts at all, and if companies like AllianceOne allow themselves at this difficult time, it is not legal to extort money from our fellow citizens enrich themselves at their expense.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have been trying to validate this debt with no success. After multiple letters to both National Recovery Agency and the 3 Credit bureaus for assistance with validating this debt I have received no sufficient response. XXXX will not respond to me whatsoever even though I can clearly see that they have been receiving my letters. This negative reporting has caused me to miss opportunities and has hurt my reputation. Since this has been on my credit report I have been denied for mortgages and it is currently preventing me from moving forward with my business. I am working very hard to resolve this matter but am being ignored by the companies involved. I have been requesting for validation from the moment I received notification of the collection and have very detailed tracking history. I have uploaded a few documents and more can be provided if needed. This does not seem right that I've had to work so hard just to simply have this validated and have been left with no other options.
Complaint sub-issue: Account information incorrect

I payed off the largest of my student loans in full on XX/XX/2020 after negotiating that XXXX XXXX XXXX ( the debt collector for XXXX XXXX have the account completely removed from my credit within 2 reporting dates. They claimed to have submitted the files but there has been no report on my credit to ANY of the beauros, we're now going into XXXX and still nothing.
Complaint sub-issue: Information belongs to someone else

I HAVE A LOT OF FRAUDULENT INQUIRIES ON MY EUQUIFAX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES. I AM TRYING TO BUILD MY CREDIT TO BUY A HOUSE. I AM STRUGGLING WITH MY LIVING SITUATION. I NEED TO BUY A HOUSE AND THES INQUIRIES ARE CAUSING EMOTIONAL DISTRESS FOR ME AND MY FAMILY. PLEASE REMOVE THESE FROM MY CREDIT REPORT.
Complaint sub-issue: Other problem getting your report or credit score

Equifax lost all of my credit history, and they refused to make effort to resume it. This issue has brought great trouble to my life, especially that I am in the process of buying a house and I am not able to get my loan approved due to lack of credit history in Equifax. 

Below is the whole storyline : on XX/XX/2022, my load agent told me he was not able to pull my credit report from Equifax. Because XX/XX/XXXX is XXXX day, I contacted Equifax on XX/XX/XXXX. Over the phone, their customer representative told me that my credit profile was not established in Equifax, which was very surprising to me because the other two credit bureau ( XXXX and XXXX ) had my profile without any issue. 

In order to resolve the issue, later on the same day ( XX/XX/XXXX ), under the guidance of the representative, I faxed the required documents ( my ssn, driver license and a ) to Equifax at fax number XXXX. 

Then today ( XX/XX/2022 ), I called them again to ask about whether the issue has been fixed. Unfortunately, the customer representative named XXXX told me that they were not to find any of my credit history. He asked me whether the credit card companies were reporting under the correct information. I told him that the other two credit bureau had been receiving my credit records correctly so I did not think there was anything wrong at the bank side. Then he told me there was nothing they could do, even if it was obviously their fault to lose my record. He also refused to make any further investigation into the case. 

Attached is the fax receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau, the date of the last letter was on XX/XX/XXXX and still got nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} - XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} - XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$2500.00} - XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$750.00} - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-
Complaint sub-issue: Information belongs to someone else

Account is not mine. I could be a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $
Complaint sub-issue: Threatened or suggested your credit would be damaged

Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at XXXX XXXX they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me And now the law has changed They cant put any days on your credit thats less than {$500.00} they recently reported on my credit and up the balance Please resolve this I rather spend {$470.00} on a lawyer than them
Complaint sub-issue: Account information incorrect

I had a XXXX XXXX XXXX account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with XXXX XXXX XXXX. XXXX  XXXX XXXX updated the balance to paid with a XXXX balance on XXXX and XXXX. Equifax did not update the balance to reflect this change so I sent a dispute to Equifax. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.
Complaint sub-issue: No notice of investigation status/result

I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.
Complaint sub-issue: Their investigation did not fix an error on your report

Pursuant to 15 usc 1681a ( 2 ) ( B ) 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. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by 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 the consumer credit transaction below.
Complaint sub-issue: Reporting company used your report improperly

My personal data, including name, date of birth, full social security number, driver 's license number and address were not held securely by Equifax, and now is in the hands of foreign governments or criminal hackers.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute through Discover Card about the purchase of a damaged motorcycle battery leaking acid. I purchased through XXXX third party merchant. They wanted the battery returned but federal law prohibits shipping of such dangerous items. Discover sided with XXXX in the dispute. Under the Fair Credit Bill Act this item should be refunded as item damaged. I have no control over shipping companies that refuse to ship dangerous items. 
Case Number : XXXX Merchant Name : XXXX XXXX XXXX  Amount : {$56.00}
Complaint sub-issue: Their investigation did not fix an error on your report

The credit file belongs to the consumer not the credit bureaus, and all the information therein. They do not have the right to decide whether or not to dispute it. I have tried sever times over the course of a couple years to dispute the wrong information that is contained in my report and they just flat out refuse, and say its erroneous. This is not right.!! plus all three companies should be uniform and held to the same standard so there is n't misinformation and so many different scores out there. I am tired of fighting with theses people about my credit report.
Complaint sub-issue: Problem lowering your monthly payments

This private and federal loans are our daughters, who we co-signed for. We have tried over the many years to negotiate the payment and interest on loans to no avail, they continue to make numerous calls to my home. We as the parents want to be taken OFF these loans and perhaps pay them off, but need legal advise prior to settleing with these horrible lenders. XXXX was very sneaky and unethical we feel when suggesting these loans, why was our daughter not offered Federal loans is a HUGE mystery that has caused many financial problems within our family. Not to mention the absurd amount of money paid to these crooks, without it going towards loan but to their pockets. This should be considered as a CRIME.
Complaint sub-issue: Company closed your account

I have a discover it credit card, On XX/XX/2019 they closed my account because of not enough personal information. But I faxed them three times my ssn and my driver license. They called me the last minute  saying that they cant see my driver license because of too blurry. I am going to fix it in few days, but they closed it.