Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had signed up for a internet dating site called XXXX on XX/XX/17 and the charge was {$65.00}. I found that the site was posting fake ads - there were several ads with the exact same personal introduction. Example : XXXX XXXX XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

XXXX  XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

I tried in good faith to resolve this with the merchant with no success. I therefore, submitted a dispute with the credit card company. I supplied the above info twice and the reply was that I had not submitted proof to validate the dispute, namely proof of cancellation of the purchase. I was not disputing the charge based on the issues of cancellation/non cancellation but on the quality of the product.
Complaint sub-issue: Didn't receive notice of right to dispute

I have notified XXXX as well as Shabana Motors to inform them that neither of them entered a notice of dispute for this account when it was disputed in XX/XX/2021, XX/XX/2021 and XX/XX/2021. I informed them they were in violation and yet the account continues to report while they are both in violation of the FCRA. Each time I pulled a new report the I have proof the notice was never entered by either the original creditor or XXXX. They simply have refused to comply and I have not gotten anywhere with either company. it is repetitive disputes to no avail with them simply not being compliant!
Complaint sub-issue: Investigation took more than 30 days

Good Afternoon, I requested my credit file from Equifax on XX/XX/XXXX using XXXX XXXX XXXX   site and was given my free credit report upon entering my identifying information. 

On XX/XX/XXXX I sent Equifax a dispute letter by mail attaching the very same verifying information. They sent a letter dated XX/XX/XXXX that they were " unable to locate a credit file '' in their database with the information I provided - which is inaccurate since the very same information that gave me access to my report in the first place is what I sent them. 

I sent that same verifying information a 2nd time on XX/XX/XXXX. They sent the same letter in response to my 2nd inquiry on XX/XX/XXXX, stating they were " unable to locate a credit file '' in their database with the information I provided. Again, I submitted the same information that gave me access to the original report on XX/XX/XXXX. 

It has now been over 30 days since they received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

The following company never proved their methods of verification through several stages of written credit disputes : -US BKPT CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX XXXX  -Attorney GeneralXXXX XXXX  -Dept of EdXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.
Complaint sub-issue: Information belongs to someone else

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.
Complaint sub-issue: Reporting company used your report improperly

I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

accordance to the Fair Credit Reporting Act XXXX Account # XXXX has been violated my rights. 15 U.S.C 1681 602 A. Section 1 have the right to privacy. 15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions
Complaint sub-issue: Information belongs to someone else

I the consumer XXXX XXXX, have been a victim of Identity theft and have fraudulent/unauthorized accounts showing up on my consumer report that originated from identity theft. I do not have any knowledge of these accounts and my information apparently was in the Equifax data breach. I have been reaching out trying to get this cleared up but haven't made any progress, when talking to the companies and the consumer reporting agencies. 15 usc 1681c-2 states that consumer reporting agencies must block and remove accounts related to identity theft, I have included FTC reports showing the accounts originated from identity theft.
Complaint sub-issue: Funds not received from closed account

Called Citibank customer service on XX/XX/22 to unlock my online bank account after having difficulty logging in for the past few days. The representative informed me that my account was closed on XX/XX/22 as Citibank decided to terminate their relationship with me as a customer. Of note, I recently opened a Citibank basic checking account on XX/XX/22 to get a lower interest rate while I was applying for a mortgage loan. I only made XXXX transactions after opening the account - one to wire {$56000.00} from my personal XXXX checking account and another to make a payment for my utility bill. The representative could not provide a reason for this decision and told me to wait for a letter in the mail with more information about this matter. A week had passed and I still did not receive anything in the mail. I went to a local Citibank branch in XXXX, CA to follow up on this matter in person. The manager at the branch informed me that the funds in my account were currently locked and unaccessible. He could not further assist me with the matter and told me that I should expect to receive 2 letters in the mail which could take up 60 days. The first letter would involve informing me that my account was closed and the second would include instructions on how to access my funds ( most likely a check ). It has been almost 3 weeks now since when my account was initially closed and I still have not received any letter.
Complaint sub-issue: Account information incorrect

XXXX XXXX credit card balance is incorrect balance should be updated to XXXX XXXX XXXX credit card balance is incorrect balance should be updated to XXXX
Complaint sub-issue: Right to dispute notice not received

This was a debt that was mailed to an incorrect address. Once I found out about it, I immediately paid it in full. I asked that it be removed from my credit report due to not receiving the bill. I contacted the company but they only updated it to say it was paid. I should not be penalized for the bill being sent to the wrong address.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent XXXX, XXXX, and Equifax a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. XXXX  and Equifax however did not ... even as type up this complaint on XX/XX/2021 at XXXX XXXX  60 days later they still have not responded. On XX/XX/2021 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. XXXX  received my letter on XX/XX/2021 at XXXX XXXX. As of XXXX, XXXX, 2021 at XXXX XXXX  Equifax still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. TransUnion followed them so these two bureaus should as well.
Complaint sub-issue: Debt is not mine

Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 XXXX XXXX XXXX  sent me a letter in themail as a XXXX party debt collector demanding that I pay a debt owed to them. The original creditor was XXXX XXXX. I never gave XXXX XXXX permission to give my information to them which is a violation of my privacy on XXXX XXXX end. 

XXXX XXXX XXXX violated XXXXhree ( 3 ) of my consumer rights. 
Unfair Practices - 1692F any unfair means to collect alleged debt False or Misleading Communications -1692E false, deceptive, or misleading representation or means in collection with debt Contacting 3rd Parties 1692b ( 2 ) - stated that the consumer owes any debt
Complaint sub-issue: Account information incorrect

Equifax is seriously delinquent in reporting by account balances. 
Equifax has NOT updated any account data since XX/XX/2019. 

This is the third time I have reported this, but nothing ever changes.
Complaint sub-issue: Personal information incorrect

I Have sent in correct information to all credit agencies to have to update my addresses and remove any old addresses they may have on my personal information still have not done so i need this cleaned up or i will file law suit
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my personal information to be compromised. I was able to verify I am a victim on their website. They also did not release news of their data breach for several months. In addition it sounds like there was some insider trading involved from senior leadership within Equifax.
Complaint sub-issue: Other problem

This is a complaint on CiTi card. I have two accounts that I have and citi decided to lower my available credit to the same amount as what I am owing! By doing this this hurt my credit score by almost 20 points. Customer service was terrible as to why this happened! He said because I was not making payments! Flat out lie as I have never missed a payment! Customer service sent in another request to see if they can reverse it and yet again they ran my credit! This again hit my credit score! THIS IS UNACCEPTABLE THAT THEY ARE DOING THIS! Why would they do this if Im a loyal paying customer and ruined my credit score!
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered 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 investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX  are reporting inaccurately on XXXX XXXX XXXX account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XXXX XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXXXXXXAfter dispute with all 3 bureaus XXXX  says on the report, {$7100.00} past due in XX/XX/XXXX.InXX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.
Complaint sub-issue: Debt is not yours

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Complaint sub-issue: Frequent or repeated calls

Robo calls with no information. Don't owe anyone. 
Think it is a scam. 
Caller ID says Hunter Warfield XXXX and XXXX
Complaint sub-issue: Problem accessing account

Unable to verify or connect pnc account to other banking institutions
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has violated my rights by VERIFIYING INACCURATE INFORMATION ( see attached document ). 

US Bankruptcy Court is missing the full docket number ( INCOMPLETE ) ; it is reporting as XXXX ( see attached filing ). 
US Bankruptcy Court is missing the state of the bankruptcy ( INCOMPLETE ). 

XXXX is reporting 'actual payment amount ' as {$0.00} ( INCORRECT ). 
XXXX is reporting with 'terms of duration ' is blank ( INCOMPLETE ).
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX20 my bank, XXXX XXXX, overnighted a check to Citi to pay off a credit card debt in full. The check was for {$14000.00}. XXXX Checked cleared, per bank, on XX/XX/XXXX20 ). After approximately 5 days, Citi was contacted to determine why check was not reflected on online portal. Informed to call back as it may not of been processed yet. On XXXX/XXXX/20, I called and informed payment not received and payment investigation was launched by Citi. I was later informed that check had been deposited in another account at Citi. Later, I learned XXXX XXXX had sent check without any of my identification. XXXX  XXXX submitted copy of check and letter to Citi for clarification as requested. Multiple phone calls ( totaling over 20 hours with wait times, etc ) to Citi. On XX/XX/XXXX I filed complaint with XXXX as issue had not been resolved. Subsequently, my account was appropriately credited and I closed complaint. Then, XXXX balance was placed back on my card. Again, more calls to Citi. After multiple calls, account again corrected to balance of XXXX XXXX I was provided a XXXX $ Customer credit for the trouble XX/XX/XXXX. XX/XX/XXXX my account balance was - {$25.00} ( reflecting gift and XXXX $ debt ). The following week, I noticed balance of XXXX XXXX Again multiple calls escalated. Today- 3 months later in totality- and issue still not resolved. Bank has submitted all requested information as I have been emailed fax confirmations from them, as well. I was recently was told by account supervisor XXXX at Citi on XXXX that all they needed was copy of check and it would be fixed. Issue still not fixed and told they need statement which my bank submitted. Reoccurring negligence and issue needing resolved expeditiously.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Frequent or repeated calls

Today, XXXX XXXX, 2017, a representative from Allied Interstate shared personal information with my employer at approximately XXXX Pacific Standard Time. This was the second call from Allied Interstate at my work today, the 6th or 7th call from them since I notified them via there website that I was not allowed personal phone calls at my place of employment.
Complaint sub-issue: Debt was result of identity theft

I noticed a delinquent account on my credit report for MRS Associates due to XXXX XXXX XXXX mobility. 

I contacted MRS Associates on XX/XX/XXXX and was informed they are a debt collection agency trying to collect a debt from a closed XXXX XXXX XXXX mobility account. Details for the account were given and are as follows : XXXX XXXX XXXX account closed on XXXX XX/XX/XXXX for balance of XXXX Account number of XXXX Number tied to account was XXXX Address for account was XXXX XXXX XXXX XXXX, TX XXXX I spoke with XXXX and was given a call back number of XXXX On XXXX XX/XX/XXXX, I then contacted XXXX XXXX XXXX to report the fraud/identity theft. I submitted a form on att.com/fraudinquiry. 

-- - I have never had a XXXX XXXX XXXX account. I have never sponsored anyone to open an account. I do not live, nor have I ever lived at the address for the account. 

I am a XXXX employee and my social was compromised in a data leak from XXXX. I have always paid my debts and did not have any delinquent accounts on my credit reports. I am looking to have this debt erased and report removed from my credit report. 

Please contact me on my cell phone at XXXX. Thanks for your help. 

XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

ACCT:XXXX This was promised to be deleted from Credit Report not paid in full or settlement but totally deleted. Delete now. Please read notes XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Discover Card reported a 1099 C to the Internal Revenue Service for the whole charged off balance on the account. Discover DID NOT send me a copy of the 1099 C.

Discover card should be reporting closed and a XXXX  balance as a result of issuing the 1099 C.

The 1099 C was issued XX/XX/2020.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2022 I received an email from XXXX notifying me of a change in my credit score. I immediately went to the XXXX site to find out what was going on. There is a claim of a debt to a company that goes by the name XXXX XXXX XXXX XXXX XXXX XXXX The collection is for {$390.00}. I have no idea who this company is. However a company called *Pro collect Inc. is the collection agency reporting it. I called that company and they made false statements to me on the phone and referred to me by my maiden name. I have gone by my married name for close to 20 years now, so I knew this was connected to fraud and identity theft. The agent claimed they had been in communication with me for the last 5 months. None of that is true. I've never spoken to anyone from Pro collect Inc. Upon some digging into the company that is claiming the debt is mine, I pulled up a site with the name XXXX XXXX which is located in XXXX XXXX. I have no connection to that country. It is supposedly a company that sells energy. Companies that sell energy don't sell to individuals, so the whole thing is absurd. Now the other name ; XXXX XXXX XXXX does not exist. There is an *XXXX  XXXX XXXX out of Texas. I called them and asked if they had any existing accounts under my information. The agent said no. I have never lived in Texas or XXXX XXXX. I strongly believe that *Pro Collect Inc* is facilitating this fraud and is a part of it. As their agent refused to listen to me and would not provide me with any proof of the debt from the original business. At this point I am trying to get this fraudulent collection removed from my credit report. I also strongly believe the collections agency needs to be federally investigated as they appear to be involved with the fraudulent charge/collection. XXXX XXXX was supposed to dispute this but appears to have done nothing on my behalf. I filed a police report for fraud/identity theft the day I received the email per XXXX suggestion. Also forgot to mention, I have never received anything in writing from Pro Collect Inc. or the original debtor. Nothing in the mail from either. I don't believe they have my address.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the XXXX collection account as not being mine. Both Equifax and XXXX has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's date.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still 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. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$720.00} XXXX  XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

This creditor XXXX XXXXXXXX XXXX is still violating my rights to privacy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states a consumer reporting agency can not furnish a account without my written consent, I do not owe XXXX XXXXXXXX XXXX ANY Money and I demand that they provide actual validation with my WRITTEN CONSENT STATING I OWE THEM AND THST I GAVE THEM PERMISSION TO VIOLATE MY RIGHTS TO PRIVACY I also demand a copy of the contract binding both parties ( XXXX XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!