Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2018, After reaching out to Best Buy Credit Services dispute department. Best Buy Credit Services notified me that I am getting a credit to my account in the amount of {$2300.00} within 2 billing cycles for a cancellation of a Auto extended warranty from a  company called XXXX XXXX XXXX XXXX which I purchased earlier using Best Buy Visa. 
Instead of receiving my credit amount of {$2300.00} which was promised. Best Buy card continues to bill me with interest despite my continuous effort of reaching out to them. Now Best Buy card is using a collection agency " XXXX XXXX XXXX, XXXX '' to collect {$2900.00} from me.
Complaint sub-issue: Threatened to take legal action

Discover Bank, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( XXXX XXXX XXXX ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then Discover sued me, so I called to XXXX, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This Discover Bank and XXXX, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly asked Equifax for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by XXXX XXXX XXXX XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, Equifax provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.
Complaint sub-issue: Public record information inaccurate

CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and there is an account that don't have a name but the acct number is XXXX. I am doing this on my own.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Last XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to 15 U.S.C 1681, and 15 U.S.C 1693 ( 2 ). 

Companies/Accounts 1.XXXX XXXX  2. XXXX XXXX ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE 15 U.S.C 1693a subchapter 2 - Explains identity theft and accounts reporting.

15 U.S.C 1681 section 602a- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
15 U.S.C 1681s-2 ( A ) ( 1 ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt was paid

I have reached out to XXXX XXXX on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both XXXX XXXX and Ally financial.
Complaint sub-issue: Their investigation did not fix an error on your report

For over a year now my XXXX XXXX credit card trade line has not been on my Equifax credit report but was on my other credit bureaus reports so I called Equifax and was told the reason for this is that my credit card was removed from my credit file with XXXX so I filled a dispute to get it added back to my Equifax credit report. At the end of the dispute nothing was resolved and the reasoning for this was because XXXX XXXX was no reporting to them. After I received this information I submitted a dispute directly with XXXX XXXX in which it was resolved XX/XX/2021. XXXX XXXX has shown proof along with a AUD number stating that the trade line was added back and they are normally reporting to Equifax. Now 5 months later Equifax is telling me on the phone that they dont not see this and it may be due to a issue with their business department. This is beyond frustrating. It is preventing me from living my life.
Complaint sub-issue: Personal information incorrect

I have requested XXXX, XXXX and Equifax to update my personal information over and over.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX XXXX XXXX Please remove these late payments from my account due to natural disaster.
Complaint sub-issue: Other problem getting your report or credit score

I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with XXXX, Equifax, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.
Complaint sub-issue: Other problem

Someone at US Bank sent me a DEBIT CArd and I do not bank with US BAnk, never requested to open an account, nor plan to open an account with US Bank. Thus, must be fraud as I have zero reason for this account. PLease contact me asap, as I can not get through on the phone.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has been reporting 4 bad collection debts to my Equifax credit report. I contacted XXXX via certfied mail XX/XX/XXXX asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. XXXX responded with letters dated XX/XX/XXXX with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. XXXX XXXX did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:XXXX, XXXX, XXXX.
Complaint sub-issue: Inadequate help over the phone

My credit report split into XXXX reports because it was too large and was supposed to be made into XXXX report again. I just got a copy of my report and there are a significant number of accounts and inquiries that should be appearing on the report that are still missing. Additionally, information for some accounts is not feeding in properly, not showing updated for months when it has been updated, I believe because it is feeding into the XXXX report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, equifax and XXXX  has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent and inaccurate on my credit profile
Complaint sub-issue: Their investigation did not fix an error on your report

I recently filed a complaint about Equifax having fraudulent credit inquiries on my report. I was told to contact them in regards to this. Well, I called this evening and talked with XXXX from Equifax in regards to the fraudulent inquiries on my report. She told me to talk to the fraud department and she did n't even notice that my birthday was n't correct after I verified it with her. So I 'm transferred to the fraud department and the rep there does n't do anything to help at all. I have fraudulent inquiries on my report and these people wo n't show me how they proved that I did this nor will they help me in getting these things resolved. I also attached my drivers license which has my correct birthdate instead of the incorrect one in their system
Complaint sub-issue: Other problem

My mother had a credit card with Capital City Bank. She passed away on XX/XX/XXXX. I called Capital City Bank, advised them of mother 's death and asked them to stop auto-debiting our joint account. I was told two things : 1 ) the future auto-debits would be canceled and 2 ) the current payment was pending and to call back the next day to have it reversed. When I called back today and spoke with representative and a manager I was told.. '' I apologize for the loss of your mother ... .we can't give you any information nor can we confirm or deny that auto-payment was canceled nor can we assit you in canceling your mother 's auto-payment from your checking account. '' So even though my mother passed away on XX/XX/XXXX, and Capital City Bank was notified, they still took {$200.00} from my checking account on XX/XX/XXXX even though they had advised me that this would not happen. I feel as if they are taking advantage of me as a consumer and are trying to profit from the death of my mom.
Complaint sub-issue: Investigation took more than 30 days

Do to the fact that on going complaint and in unauthorized inquirys 2 of them from XXXX XXXX dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted numerous dispute letters and called to remove/delete medical accounts that are listed multiple times & that do not belong to me. They are reporting incorrect information they have not provided me with any evidence that the accounts belong to me. 

Original Creditor Amount : {$330.00} ( Listed 3 times ) Original Creditor Amount : {$530.00} Original Creditor Amount : {$63.00} XXXX XXXX : {$460.00} XXXX : {$300.00}
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I called Global Cash Card on XX/XX/2018 to check my balance and noticed my money was not available so i spoke to customer service and was advised of recent transactions in which i did not reconize 2 transactions for the total of XXXX I didnt understand how this was possible as i have the card in my possesion and I do not give out my pin #. The customer serive rep took a report and said someone will contact me. I recieved a letter onXX/XX/2018 from the dispute dept stating no error found. I called customer service once again and was advised to write a letter asking for records as to why or how tjey found no error so i did I recieved a response on XX/XX/2018 stating they finalized thier investigation and no error was found so once again i called customer service and was told there is nothing they can do the complaint was finalized.
Complaint sub-issue: Investigation took more than 30 days

The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint Equifax responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from XXXX  dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to Equifax, XXXX and, XXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. And have unauthorized INQUIRIES on my credit report.
Complaint sub-issue: Information belongs to someone else

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$3900.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Complaint sub-issue: Information belongs to someone else

This is my second dispute about items contained in my credit I sent out disputes to the credit bureaus about accounts that are being reported on my credit that were not authorized by me. You had come back verified, how did you verified, who did you talk to? PLease send me physical proof of verification as the law require, you most have the documents to sustain your reporting. 
I have filed an ftc report to document this and would like you to help me resolve this matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX ; XXXXXXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Information belongs to someone else

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

Discover has violated my federally protected consumer rights, 15 usc 1692. On XX/XX/20 I received a voicemail about a debt payment, and XX/XX/20 a representative from Discover called me and attempted to collect a debt using profane and abusive language. Besides these calls there were more and also several emails on XX/XX/20 and after about a debt payment and that they would report my information to credit bureaus without my permission.
Complaint sub-issue: Frequent or repeated calls

Got this loan long story short fell into financial hardships due to unexpected medical problems. Could n't pay the loan now the company is contacting me for numerous different numbers as well as calling my place of work my brother and girlfriend constantly.
Complaint sub-issue: Didn't receive notice of right to dispute

I RECEIVED AN ALERT VIA MY CREDIT MONITORING, THAT I HAVE A NEW DEBT WIT H TEK COLLECT, INC. TH EY NEVER GAVE ME NOTICE OF THIS DEBT. INFORMING ME OF MY RIGHT TO DISPUTE THIS DEBT OR WHAT THIS DEBT IS FOR. I HAVE MAILED THEM CORRESPONDENCE STATING THIS WITH THE EXPECTATION OF A PROMPT DELETION SINCE THEY ARE IN DIRECT VIOLATION OF FCRA. I DO NOT ACKNOWLEDGE THIS DEBT NOR DO I KNOW WHAT THIS ALLEGED DEBT IS FOR.