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

I as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the description of XXXX ( your web based automated verification process ) YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that " XXXX is a web-based, XXXX XXXX XXXX, automated system that enables Data Furnishers ( DFs ) and Credit Reporting Agencies ( CRAs ) to create and  respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness.
Complaint sub-issue: Their investigation did not fix an error on your report

i have sent in my disputes but still no response
Complaint sub-issue: Public record information inaccurate

I have XXXX public records listed on me credit report with Equifax. I have requested that information be verified that it belongs to me. After multiple reply from Equifax indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. Equifax has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of equifax has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.
Complaint sub-issue: Their investigation did not fix an error on your report

So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, XXXX, and Equifax. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this dept recovery solutions got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also google this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX  and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.
Complaint sub-issue: Company closed your account

I received a notice on XX/XX/20 saying that my checking account was closed and that I needed to transfer {$4.00} to cover an overdrawn balance. Fine, I was closing this account anyway so I transferred {$5.00}, the minimum my bank would allow, to settle this balance. This left {$1.00} in the closed account. However, Citi continued to charge a $ 30 monthly service fee, followed by a {$34.00} overdraft fee the following day. When I asked customer service they stated they don't send emails like that and that Citi would never close an account with the customers ' request, this is untrue.
Complaint sub-issue: Was not notified of investigation status or results

Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and Equifax.
Complaint sub-issue: Problem with fees charged

Well unfortunately I had a XXXX and this un legal got my car towed while I was sick and they had me to put. Down a deposit that never went on the loan lots of lies was told the car wasn't new and use fraudulent things
Complaint sub-issue: Card was charged for something you did not purchase with the card

somebody opened up a credit card through US Bank under my name. my identity has been compromised. i have gone to US Bank to have the credit card cancelled. i will also be filing a police report.
Complaint sub-issue: Other problem getting your report or credit score

I can not retrieve my credit report from Equifax, it always shows a reporting error. I have reached to equifax they tell me nothing is wrong with my profile. This is currently hurting my ability to get a house.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$480.00}
Complaint sub-issue: Was not notified of investigation status or results

Hi could you check my records? I have been sendng you letters about so many inaccuracies on my credit but nothing seems to be moving nor I get any response from you telling me that you are conducting an investigation. The last one was sent on XX/XX/2021. I know people who sent dispute letters to you, and they tell me I am supposed to get a response, but you don't seem to be responding. Please do check my files and investigate all those inaccuracies that should be on my report in the first place
Complaint sub-issue: Deposits and withdrawals

I scheduled incoming transfer of {$5000.00} into ally savings joint account ending in XXXX from XXXX checking account for XX/XX/2023. But when i wanted to check that - Ally has no clues about that.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is violating my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..
Complaint sub-issue: Information belongs to someone else

Someone used my identity to open these credit card accounts
Complaint sub-issue: Reporting company used your report improperly

I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect. 

Date of last activity is reporting false dates. 

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from XXXX, EQUIFAX, & XXXX. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621.

This charge off is being investigated by the FTC.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Billing problem

US BANK reported me having a late payment for a vehicle that was already paid off I called us bank to have them fix the error rep was rude and didn't care to fix my problem as a result my credit is being ruined by an account that is paid in full I would like my credit report to be updated and late payment to be deleted
Complaint sub-issue: Other problem

On XX/XX/XXXXthe card was used to pay an air ambulance fee ( {$18000.00} ) for a friend who had a XXXX XXXX on a cruise ship. This friend is a retired XXXX Veteran. As one can imagine this medical emergency resulted in significant fees for the family. Once my friend was stable and the family could begin making payments on their outstanding debts they worked hard to pay this one off first. The balance was paid off from XX/XX/XXXX to XX/XX/XXXX. The final payment was made on XX/XX/XXXX including {$130.00} interest. 
In XX/XX/XXXX the insurance company reimbursed the air ambulance company which reimbursed the Citi card. I contacted Citi on two occasions to let them know the credit was on its way and that I wanted it directly transferred to my checking account. I informed them this was funds that did not rightfully belong to me and needed i needed to refund. On XX/XX/XXXX the credit was applied to my account. On XX/XX/XXXX I called to make sure the refund was being processed. I was informed that they would begin the process ( it had not started despite my previous direction ) and I should have the money no later than XX/XX/XXXX. As of today XX/XX/XXXX the credit is still on my account waiting a second manager " approval ''. This is unacceptable I need the money and have informed them of this every day since Saturday, XX/XX/XXXX. They have told me " they '', or a " manager '' would call me back but no one has. If anyone treated them with such disregard they would face penalties and interest of significant amounts. This is an easy transaction to follow, the approval should not be time consuming except for the fact Citi wishes to use this money for their own benefit. I think that is wrong!
Complaint sub-issue: Debt is not yours

Dyck-O'Neal, Inc. - XXXX This number has called since XX/XX/XXXX sometimes calling multiple times a day. The number left to call is XXXX, which is not the number listed on their website. The message left is always - We have important message from Dyck-O'Neal , Inc . This is a call from a debt collector. Please call XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

I paid debt in settlement offer XX/XX/2018. I'm currently in the final Escrow stages of my home loan and need proof of payment. I have seen reviews on this company and the are horrible. Consumers reporting harrasing calls, requesting payments after debt was paid, lack of reporting to credit reporting agencies. As precaution I have recorded my phone calls with USCB for my protection for dispute .By law a Company/ Debt collector has 7 days to provide proof of payment. I have hired XXXX XXXX as my lawyer if this issue can not be resolved within the time I have requested.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX XXXX BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Around my mothers passing I had relatives come pay their respects. I had a few people in my home, family members staying over. Moving forward I realized I was receiving emails of an upcoming concert I had no idea my card was charge for. As soon as I realized I reached out to Discover, during the many representatives I spoke too not one advised me to reach out to the merchant, Discover closed that account and send me a new card. After they concluded their investigation their claiming the person behind they theft is my sister. They said in order for them to remove the charge Ill have for file charges on my sister. I refuse because one my sister didnt go to any concert, also again because of people in and out my mom it would be hard to determine who made the charges. What I can say for certain that I didnt make the charges and been fighting this charge ever since.
Complaint sub-issue: Frequent or repeated calls

Macy 's Credit Dept continues to call after payment to bring account up to date has been made. They are the only creditor to call if you are one day late on a payment. Also, when the past due amount is made and acknowledged they continue to call because their system does not update the minimum due for the next month after a payment is made. Example - payment amount due on the XXXX of the month is XXXX. It is made on XX/XX/XXXX. Minimum due the next XXXX of the month is not updated with one day late payment. They charge you a late fee ( which I understand ) but continue to call asking for a " post dated '' check for the NEXT month 's payment which is 25 days away. XXXX????
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened a savings and checking account in mid XX/XX/XXXX. The terms of the deal I opened the accounts under was that {$15000.00} in new funds needed to be deposited within in the accounts and maintained for 60 days at which point a {$400.00} bonus would be paid by Citi. I funded the accounts with over 15k and have never removed any money so the accounts as they currently stand still have over 15k in them. 

I helped my parent 's open accounts under the same terms and they received their bonus a couple months ago. Just as a note I do not live at the same address as my parents nor do we have any co-mingled funds if that matters. After waiting the full length of the advertised period that Citi has to fund the bonus and having not received the bonus I contacted customer service via chat. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat and was told that the bonus will post no later than XX/XX/XXXX. The bonus did not arrive by the XXXX. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat who said that the bonus should have arrived that week. It did not and so he opened an investigation case stating that the case can take up to 5 business days to be resolved. 

It is currently XX/XX/XXXX and I have not received the bonus or any further information from Citi even though the 5 business days is long since passed. 

I understand that delays can occur and am simply looking to receive the bonus earned, but have had no progress from working with the company directly.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX have been collecting {$180.00} for the last 2 years from my checking account to pay for sears master card. I never signed anything or talked to anyone either from sears or from XXXX XXXX incorporation in regards to this credit card, I did talk to them in regards to another card but in XXXX, XXXX XXXX stopped withdrawing {$180.00} from my account and I have attempted to call them several times because it was reported to all 3 credit card company that I have not payed Sears for 3 months, I called sears 3 times and all they tell me is that they dont have my account and I have to keep calling XXXX XXXX because they bought out my account, I really need help asap please as Im trying to pay and nobody can help me, thank you
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

there were XXXX charges against my card, totaling XXXX this happened in late XXXX all by the same person all from the same merchant {$5.00} and {$10.00} I submitted a claim the card company denied my claim I personnelly call many times XXXX or XXXX I spoke to XXXX different people on XXXX ocassion they stated that once a claim is denied that's it, no more talk, over there is no additional reviews allowed this is my XXXX direct deposXXXX account the card issurer is Direct Express
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXX XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Inquiries 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XX/XX/XXXX 11. XXXX  XXXX  XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased flowers for my wife on XX/XX/XXXX for delivery on XX/XX/XXXX via the internet for a delivery in XXXX, Ok. on XX/XX/XXXX. I charged {$79.00} to my XXXX XXXX XXXX XXXX XXXX card. These flowers were never delivered to my wife. I contacted the dispute department on XX/XX/XXXX explaining these details to them with a follow up forwarding them the purchase order I printed from the web sight indicating delivery on XX/XX/XXXX. I received a letter from an individual named XXXX XXXX Card member Service, indicating they would not reverse the charges because I didn't cancel the charges or return the merchandise. 

I followed this up with 2 phone calls to XXXX XXXX and a supervisor by the name of XXXX employee # XXXX that their was no merchandise to return because no merchandise was ever received. They refused to reverse the charges. 

My case # with XXXX XXXX is XXXX Please help. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ok. XXXX Phone # XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

XXXX. I moved to an apt complex that did not allow dish on the roofs of building and my apt faced the wrong direction for the dish to work on the patio. XXXX could not furnish the TV service. therefore not my fault. They broke the contract by not being able to provide the service. My bill was paid in full til this happened
Complaint sub-issue: Debt resulted from identity theft

This debt is not mines i have a delete letter but its not being taken off my credit report at all i want it off,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is 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 account and needs to be removed completely from my credit report :
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : XXXX XXXX XXXX  # XXXX. Also US Dept Of Education # XXXX.
Complaint sub-issue: Debt was result of identity theft

Discover Credit Card ; Date Opened : XX/XX/2015 Amount : {$1100.00} Action Taken By Me : Police Report Filed, No Action Taken By Company
Complaint sub-issue: Debt was paid

A company named Bay Area Credit Service is purchasing false debts from fraudulent companies that are selling false debts on medical patients, in my case specifically " XXXX XXXX '' their urgent care system " XXXX XXXX XXXX. Have made contact with Bay Area Credit Services on XX/XX/2020, and they no longer have my name in the debt records, however they are still trying to collect a debt that is not owed, and stated " I do not have you in any of our databases, so I can not tell you how much you owe or who the original creditor was that we bought the debt from. '' Shortly after prompting me to give them my Social Security Number. '' This company executing fraudulent practices could not be any more obvious. 

How can these types of predatory business practices be allowed to exist? XXXX  XXXX has a known lawsuit against them please see link below : https : XXXX