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

I WAS MISLEAD AND PAID A COMPANY USING MY 2 CREDIT CARDS. I PAID XXXX XXXX {$3200.00} ON XX/XX/2012 AND ANOTHER {$8800.00} ON XX/XX/2012 WITH MY XXXX CREDIT CARD.. I PAID WITH MY CREDIT CARDS AND HAVE TRIED TO DEMAND A REFUND FROM THE COMPANY AND CREDIT CARD COMPANIES. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID NOTHING AT ALL FOR ME.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2018 i tried submitting dispute with Equifax relating an issue they reporting on credit report they could not identify me because they base your identity on fraudelent information if these accounts are fraud how are they suppose to identify me if it was not done by me this is the reason Im disputing them. however XXXX XXXX investigated and erased this from my credit report why is Equifax still showing this as owed if is not mine im very fustrated and will be taking legal action against Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I have several hard inquiries removed or deleted from my XXXX file that are duplicates on my Equifax and XXXX credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted Equifax and XXXX to see if I could request a removal of said inquiries to no avail.
Complaint sub-issue: Personal information incorrect

DOB incorrect in Record as of XX/XX/2019 Request investigation to tell me HOW the error occurred. Once a SSN is issued and connected with a DOB those two fields should never change. Your name may change, addresses may change but you will never be born again physically. Equifax insists th

at I fax proof of identity to correct the record, exposing my Driver 's License and SSN card again. Their assertion that a data provider pushed a DOB to my record ( my Dad 's DOB ) and that Equifax is not responsible is absurd. That field should not be allowed to be changed by any data reporting provider and certainly not by a simple name match.I am a " Jr '' and am told this happens quite frequently with JR,!!,!!!, etc. It should NOT! Ever. Then to put the burden on a citizen to prove themselves rather to checking for the Equifax error only adds insult to injury.

Both other credit bureaus XXXX and XXXX  have the correct DOB on my record today. I really hope that this misinformation does not corrupt their record as well.
Complaint sub-issue: Reporting company used your report improperly

My information has been included in the equifax hacking on XXXX/XXXX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect times on my credit report. I have submitted my disputes over 30 days ago. I still have not received any communication for the investigation
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Card opened as result of identity theft or fraud

Starting XX/XX/XXXX, I received a bill from Home Depot asking me to pay for $ XXXX merchandise from a credit card I did not open. 
I called the phone numer on the statement and they transferred me to Citi bank. They said the card was opened and used in XX/XX/XXXX. That Home Depot store is in XXXX, XXXX  and I live in XXXX, XXXX. I was able to close the card and make fraud claim. However, I keep getting the bill asking me to pay for the amount I did not spend. 
I called them again and they said that they need to see my ID, so I faxed them my Driver 's License. They reopened the case after that. However after 1 or 2 months they sent me a letter saying that I was responsible for the amount and charges because this account was not fraudulently opened. 
I called their Security Operations again. This time they said that they needed me to answer some questions. After I went over 9 to 10 questions, they reopened the case again. After around one month, I received the same letter stating that I am responsible for the amount plus any late fee. 
I called them again today XX/XX/XXXX. After providing all the information, the person on the phone said that the date of birth on the account does not match my actual date of birth. What is the point of asking to see my ID then? 
I asked her what other information I need to provide to their investigation team. She said she did not have the answer for that. She said what she could do is to reopen the case again. 
I honestly can't trust the investigation team at Citi bank anymore. It's been almost a year now so that's why I'm writing this complaint to CFPB.
Complaint sub-issue: Information belongs to someone else

I tried to contact XXXX and Equifax about XXXX XXXX and let them know that the account was fraudulent open up in my name and I also attached both police reports and wages showing proof that the account was fraudulent and every 30 days they say we have to wait until the company responds and each time the respond back as accurate as if the account belong to me and up dates the past due balance ... I am very hurt about this situation because I am a victim of fraud
Complaint sub-issue: Debt was paid

This debt concerns a 30 day trial of XXXXXXXX XXXX XXXX XXXX. As per their trial policy, if the account is cancelled and the device is returned within 30 days, the use for the first 30 days is free. I canceled the service and returned the device within the 30 day window. XXXX acknowledged this on two phone calls ( see dates below ) Nonetheless, XXXX has ( 1 ) charged me {$60.00} and ( 2 ) referred this non-existent debt to a debt collection agency ( XXXX XXXX. 

The relevant dates are below : XXXX - Order placed for the XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX Device delivered to XXXX XXXX - Cancelled service via XXXX 's chat feature. XXXX told me to drop it off at a XXXX store ; they would not provide a return XXXX number. 
XXXX - XXXX Device was delivered, by hand, to XXXX store in XXXX, Montana. 
XXXX - I called customer service because I received a {$60.00} bill, despite having cancelled service and returned the device within the 30 day window. XXXX stated that they did receive the device in XXXX on XXXX, and it was received in the " warehouse '' on XXXX. XXXX stated that they would fix the bill and zero out the account. 
XXXX - XXXX confirmed again that I cancelled and returned the device within the 30 day window. They could not explain why the charge remained. XXXX opened an " investigation '' ( confirmation XXXX ; Order ID XXXX ) that they said would resolve the issue within 5-7 days. 
XXXX - I receive an email from MRS ( mrsbpo.com stating that XXXX gave them my " bill '' ( again, that XXXX twice stated should have been remedied and zeroed out ) for collection. Same day I called XXXX and was told there was nothing they could do because the " debt '' was in collection. 

This is a false debt collection ; there is no debt and XXXX and MRS are attempting to collect on a non-existent debt.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX BANK SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Debt is not yours

2 Remaining Negative Accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

Equifax supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

Equifax XXXX & XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute.
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX XXXX, 2017, I was contacted through email by XXXX XXXX at True Accord. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with XXXX. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance True Accord is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : True Accord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

XXXX  from  REVCREST Inc e xplained to me that i could not lower my payments as the young lady before told me that after  XXXX  garnishments  ( whic h are creating a big hardship as it is  XXXX  put of my check a month and my bills are behind due to this ) I could lower my payment, she then asked for a financial statement over the phone,. I gave her the information and now i am being told different, that i would have to continue the garnishment and i would have to make payments as well.       is this legal? if so I will be homeless soon!     every time i ask for a hearing which is my RIGHT, I have been denied ... IT IS MY RIGHT!
Complaint sub-issue: Personal information incorrect

Reached out to all three credit bureaus to fix my personal information. They have not updated any of my information. Ive mailed, called, & faxed and none of my personal information was resolved.
Complaint sub-issue: Account status incorrect

XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date.

The original signed contact from the original creditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$690.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX {$2100.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my Equifax and XXXX  ; and I'm assuming my XXXX  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XXXX . We eventually went with XXXX XXXX XXXX XXXX  but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave Fairway permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points. 
If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX have 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}
Complaint sub-issue: Report improperly shared by CRC

Clarity Services accessed my credit report on XXXX on XX/XX/2017 which they say is in response to a request from some lender because someone used my name and identification to apply for a loan ... this is a fraud as I have not made any such loan request and my bank account has been hacked four times since XX/XX/2017..so I suspect this is part of overall identity theft ... .I can not pursue this fraud without the name of the lender which Clarity seems reluctant to provide ... I want an immediate freeze on Clarity from providing my credit information to any lender who may request it ...
Complaint sub-issue: Account information incorrect

I have made several attempts to verify and validate the debt and it was unsuccessful. The information is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws as its adversely affecting my credit and score and my opportunity to be approved for a mortgage
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Greetings, I have reached out to all the Equifax concerning inquiries reflecting on my credit report I did not approve. In this process, Equifax provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. Equifax provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in 2019 and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.