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

I have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom I t May  Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded.  ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby reques t that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello. For some time now, I have been going back and forth with XXXX, XXXX and Equifax about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, XXXX and Equifax to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.
Complaint sub-issue: Information is missing that should be on the report

I am trying to get Equifax to provide my credit report. They sent me a confirmation number..XXXX however it will not open my account. Message is that the information I give does not match theirs. I have spent hours on the phone trying to reac a real live person. None exist at Equifax. Equifax does not have my current credit history. It stopped almost 10 years ago. They do not have credit card information, bank information or charge account information. 
They are a corrupt incompetent agency!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX ( Original Creditor : XXXX 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.
Complaint sub-issue: Reporting company used your report improperly

the attached documents shows that these accounts were charged with without my authorization
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This dispute has not been resolved by XXXX XXXX XXXX XXXX. 
On XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX charged to me the amount of {$420.00}. As soon as, I notice this charge, I called to the credit card, and I dispute it. On XX/XX/2022 the credit card send me a letter saying that the dispute has been closed, because they did not find any evidence of fraud. Once again. I called to the credit card and re-do the dispute, requesting for the invoice to see the charges, but they closed it, again. 
Dispute ID : XXXX, requesting for the invoice to see why the hotel are charging me this amount, because minutes before leaving the hotel, I got my invoice which is for XXXX Shekel ( I have a copy of this invoice ). 
Today, I called again to the credit card asking for the supervisor, and noted that agents, lack knowledge, and how to resolve issues such as the one I am experience. 

I will sent by mail copy of the invoice, that I got from the hotel before leaving. 
And copy of the letter where the dispute was closed.
Complaint sub-issue: Reporting company used your report improperly

I authorized a credit freeze on the Lexus Nexus with my name on it and my social security number, which they are using without my permission. Lexus Nexus acknowledged the freeze and sent me written documentation. 

They have since unfroze my account without my authorization or permission or lied about freezing my account as I am getting denied home owners insurances as a result of their negligence.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

OnXX/XX/XXXX XXXX XXXX XXXX (now XXXX XXXX) did a credit inquiry through CoreLogic Credco against my wishes.On XX/XX/XXXX XXXX XXXX XXXX did a credit inquiry through CoreLogic Credco against my wishes.
Complaint sub-issue: Information belongs to someone else

I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the Equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/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
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I traded in a XXXX I had on lease early. During the process I contacted XXXX XXXX several times to make sure of exact amounts and how to pay. The dealer did not pay the termination fee as agreed. When I saw the error I immediately called XXXX and was told not to worry they do not report termination fees as late till 120 days. After contacting the dealer I logged onto my XXXX account online and paid the termination fee. My account screen reflected a XXXX balance. Now months after the lease was paid off early I receive a notice from equifax XXXX reported me 30 days late in XX/XX/2016, 90 days late in XX/XX/2016 and 180days late from XX/XX/2016 through XX/XX/2016 when I made my final two payments early. 

This gross error has cost my credit score to plummet! At no time during several conversations with XXXX was I told my account was delinquent. XXXX never called me once over a 18 month period to tell me my account was delinquent. At no time during that period when I logged online did my account show delinquent. 

I feel XXXX XXXX has violated the FCRA and should be held accountable
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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
Complaint sub-issue: Reporting company used your report improperly

Between XXXX XXXX and XXXX of XXXX I was XXXX of hundreds of millions of Americans whose data was leaked by Equifax. This is an unacceptable breach of trust from a company that I did n't voluntarily engage in business with.
Complaint sub-issue: Debt is not yours

I declare under penalty of perjury ( under the laws of the United States of executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account I am not responsible for any charges made to this account. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a charge dispute with Discover thats going on 4 months now, for goods and services that were never received. A merchant charged {$6800.00} on XX/XX/XXXX for a siding job on my and my husband 's house. The merchant never delivered the goods or service, and after a year of excuses, the contract was cancelled, and I requested a refund. Through repeated attempts, I have been unable to contact the merchant since then. After failing to resolve this with the merchant, I opened a charge dispute with Discover.

4 months in dispute and this charge has not been settled. Ive provided extensive documentation of the merchants non-delivery and contract breach. Each time I speak to the dispute department, Im told additional information is needed, and I provide this information. However, on my XX/XX/XXXX phone call to the dispute department, I was again told Discover requires additional information, however this time I was told I cant tell you specifically what that information is. The agent also inquired as to why Discover should be responsible for refunding me this money.

Discover claims this is still a valid charge, despite the fact that I never received the goods/services. As the charge is beyond 3 months, Discover no longer has the ability to chargeback the merchant, so the money would come from Discover itself. I believe this is why Discover continues to claim the charge as valid, because it would cost them money otherwise.
Complaint sub-issue: Frequent or repeated calls

this is a mortgage company I never had a mortgage in my name they or asking {$69.00} dollars I like this off my credit report
Complaint sub-issue: Was not notified of investigation status or results

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Complaint sub-issue: Their investigation did not fix an error on your report

I did not open this account. My ex wife opened it in my name. XXXX and XXXX have investigated and deleted the account however Equifax will not. This is causing me to not be able to get a mortgage
Complaint sub-issue: Report improperly shared by CRC

I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : 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 AND XXXX XXXX XXXX ( XXXX ) i would like them removed from my credit file
Complaint sub-issue: Information belongs to someone else

after finally having the money to meet and retain my attorney and being able to file all the proper police reports and federal reports equifax has not honored my identity theft packet. the XXXX and XXXX company both have investigated and deleted all contested accounts but equifax has not. there is no other way for me to prove my identity was stolen. I have done everything according to the law to restore my name, however equifax is the only reporting bureau that has not corrected my record. I have sent proof of my address at the time these purchases and accounts were created. please remove the creditors listed on my FTC report and police reports, and also this unvalidated bankruptcy
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my credit reports and I 've noticed that there were many unauthorized credit inquiries made not to my knowledge. I do not recall authorizing these credit inquires and I understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation about all of my inquiries to determine who requested the information.
If you find I was not the one who authorized this inquiry, I ask that XXXX have it removed immediately from my credit file. Please be so kind as to have the CB to forward me documentation that you have had the unauthorized inquiry removed.
Complaint sub-issue: Didn't receive enough information to verify debt

I noticed a debt charge off from a company called Americollect on my credit. I contacted the company via chat. They are giving the name of a XXXX XXXX I am unaware of. They also could not verify my social, only my date of birth. Despite having the address listed on my insurance the letters were sent to an XXXX XXXX address that was not provided by the Americollect employee. I have received no calls, or no letters regarding the debt. I have lived at my current address for 4 years, my insurance is billed using my current address which is XXXX XXXX XXXX XXXX. My dad lives on XXXX XXXX and has the same name as me. Simply verifying my date if birth is not adequate. My father 's credit report has often times been crossed with mine. Americollect did not give me notice of the debt, my dad has not received a letter and we have received no calls. Furthermore ONE letter isn't enough notice to dispute or pay a XXXX dollar debt before reporting it to my credit. I can find no balance owed on my insurance as well.
Complaint sub-issue: Account status incorrect

Made XXXX payment regular payment .XXXX  called said payment changed because of escrow changes. I paid the difference over the phone. This is not a late payment.
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) : also states that 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: Their investigation did not fix an error on your report

Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to I.Q. Data International. It is now XX/XX/2020 and I have not received a response of any kind from I.Q. Data in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with XX/XX/XXXX XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that I.Q. Data has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to IQ Data 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from IQ Data attempting to resolve this debt they have claimed/validated that I owe. 

I would like to file a complaint against XX/XX/XXXX for not properly investigating and deleting this and against I.Q. Data for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that I.Q. Data is fraudulent and XX/XX/XXXXas well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to my credit.
Complaint sub-issue: Information belongs to someone else

There are accounts that are still appearing on my credit report that were a result of identity theft. I have disputed these accounts with the credit bureaus several times and I haven't received any response in regards to the dispute. I also filed an identity theft affidavit and the account has still not been deleted. The response time has surpassed 60 days and are now in violation of my rights in the FCRA. I have placed on extended fraud alert on my report and these accounts were to be removed upon completion of my dispute. These accounts have not been removed and late payments are continuously being reported every month damaging my credit history. Please eradicate this account from my credit report expeditiously.
Complaint sub-issue: Information is not mine

I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of the collection accounts, which have no company name listed and no information has been provided. Here are the accounts : XXXX {$130.00} XXXX {$110.00} XXXX {$180.00} XXXX {$120.00} They always say they verified information and do not ... Please VALIDATE this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.
Complaint sub-issue: Account information incorrect

This creditor is not licensed to collect debt in my state.
Complaint sub-issue: Can't use card to make purchases

I mailed out my payment to Discover on the XXXX and no later than the XXXX of each month. 
I know it does not take 6 TO 7 days to receive the payment. Even if the payment goes to XXXX XXXX XXXX Utah, which is where Discover is located. They purposely wait 16 days to clear my card. I had this same problem last month. So I am re-reporting Discover for continuing with the same lousy payment problem I have had in the past with Discover Card. They don't take the payment until 16 days after it is received. Two months ago I was charged {$35.00} because Discover Card did not take the ACH Payment on the XXXX as I told them to do so. Today I was embarrassed at XXXX XXXX when I could not pay for a battery for my wife 's battery operated door opener. ONY DISCOVER DOES THIS!!

TAKING 16 DAYS TO CLEAR MY CARD. NO OTHER CARD EVEN THE BANK 'S ATM CARD DOES NOT HOLD UP PAYMENTS FOR 16 LONG DAYS. IT LOOKS LIKE THEY JUST DON'T GIVE A XXXX HOW RUDE THEY TREAT THEIR CUSTOMERWS.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi cards continues, each month, to charge more and more interest and late fees for a fraudulent original amount of {$270.00}. 
I have made numerous attempts to resolve this, yet they demand payment of this fraudulent charge of {$270.00} us all the fees that grow each month. I will not pay, and I shouldn't be put in this position. I immediately alerted them that a scam artist charged me {$270.00} as I thought I was paying for my XXXX  license. Instead, I was told the fee was to pay for an EIN number, which of course I already knew i could obtain for free via the irs website. Please help me, as Citi cards will not listen. I even disputed the charge, explained what happened, yet they take the side of the scam artist.