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

I 've disputed this last XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with Equifax. However, Equifax still stated, " Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX Lien Filed XX/XX/XXXX ; XXXX County Common Pleas ; Case or ID # XXXX ; Amount {$600.00} ; Class State ; Released XX/XX/XXXX ; Verified XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX ''. 
I understand that the public record is reporting correctly. However, the Ohio Attorney General already sent them a letter that this record has been vacated ( expungement letter ) and I also sent them the copy of it along with the statement of release, goodwill letters and other information. I also sent them the screenshot of a forum where same case of mine, they were able to remove the public record. XXXX and XXXX already removed it but how come Equifax can not remove it. If they have remove it for others BEFORE as what it showed in the forum, why is it so hard for them to remove mine. Where is fairness in this credit bureau??? 

This is the copy of my first complaint here in CFPB with Equifax : Hi, I used to be a traveling therapist which I amended my tax last XXXX. Ohio has been sending the notification letter/ statement or tax lien to my previous address in NM which I have n't resided since XX/XX/XXXX because I already moved here in TX . Thus, I never received the tax lien bill until I found out my credit score significantly decreased last XXXX XXXX. Since then, I inquired about the bill and took care of it last XXXX XXXX. I send out letters to credit bureaus/ agencies stating that I already paid the tax lien. But the credit bureaus will not remove the derogatory remark of state tax lien on my credit. I 'm planning to buy a house this year but because of the remark on my credit it affected it significantly. Ohio Attorney General send out expungement letters to credit bureaus to remove the derogatory remark/ state tax lien on my credit report. Attached herewith are the copies of my request to credit bureaus : The tax lien release, a letter I had sent them, and then a copy of the expungement letter from the Attorney General. In connection with this, I would like to request from your good office to help me in this case. 

XXXX/XXXX/XXXX Equifax CFPB I sent the tax lien release, goodwill letter and a copy of the expungement letter from the Ohio Attorney General. The Ohio Attorney General also sent the letter to Equifax. I took this advice from a forum because they said Equifax and other credit agencies were able to remove tax liens from their credit reports. I attached here the screenshot of one of the complainant that Equifax was able to remove the tax lien from their credit report. If they have done it with the others, how come they can not do it on my case. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX  ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # 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: Debt was paid

Last year I filed several complaints, case # XXXX and case # XXXX against both XXXX and XXXX, stating they violated the FCRA and FDCPA thru their deceptive use of my credit report. 
They attempted to collect a debt that was not owed, nor could they substantiate, nor provide me with proof of the debt. 
XXXX removed the debt from my credit report in XXXX, 2014, as a result of this complaint. 
XXXX has now hired another company Enhanced Recovery Corp to collect on the same debt they claim I do not owe them. 
This is malicious action has damaged my credit and character. 
They are engaged in the same violations as XXXX was. 
This is a patterned action by XXXX and I ask your agency to investigate the matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 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. If you wont delete the 5 late payments I want the trade line to be deleted.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. There are lots of accounts in my credit report that is not belong in there.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Don't agree with the fees charged

I attended XXXX XXXX in 2011 pharmacy tech program. They miss represented themselves by explaining the hiring rate etc. I then began to speak to other students that graduated a head of me and they expressed their same situations. During the time my father helped signed me up one private loan and federal which private one was paid off. I then was reached out to for forgiveness. which I did pay for awhile.I dont believe I should be paying for a scam. I then began to do research and saw that XXXX XXXX was also fighting for discharge for misrepresentation.I am reaching out to see if their is any possibility to be able to discharge. Im in need of guidance.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020, I noticed a hard pull for my credit report from MLD Mortgage. I have never agreed in a written form or verbally for them to do so. They apparently abused the information they have on me in their database ( MLD is my current lender and I provided my ssn to them before ) This is definitely not acceptable to me and I would like to take action to protect my own privacy and rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me 120 days past due on the XXXX, partial account number XXXX, reflecting a {$0.00} balance and {$0.00} past due amount. This negative reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Problem with fees

The Home Depot Consumer credit card sends me a flagellant bill and when I reject to pay, each month adds interest rate and sends me much larger bill. On XX/XX/XXXX I call to customer service in regards of my Home depot credit card. I payed all the bills required and asked them to close all my accounts. I was insured that I payed everything and my accounts are closed. Later, Home depot consumer credit card of City Bank started to send me bills with large amount of money increasing every month. I called them many times and verified that I have nothing to pay since I payed my bills on XX/XX/XXXX. They sent me a later telling that them by mistake sent some amount of money to my XXXX  XXXX XXXX account and I have to send that money back. I vitrified with XXXX  XXXX XXXX that nothing was deposited from Home Depot consumer credit card of City Bank.

I asked the City Bank to remove charges from me because I do not responsible for somebodies mistake and I was overcharged. However I still receive larger and larger bills and the also affect my credit score. I'm legally XXXX and XXXX. Please help me to resolve this problem
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

My identity was stolen. 
1. I received an email notice from XXXX XXXX XXXX on XX/XX/2022, and it said, " It looks like someone viewed your credit report. '' I called to the XXXX XXXX XXXX, and they asked me if I have applied increase my credit limit and applied a XXXX Credit Card? Both two applied I didn't ask. 
XXXX. XX/XX/2022 I got a text said, " Your XXXX IRA verification code is : XXXX '', and then I got another text said, " Thanks for joining XXXX IRA Account & Market Alerts. Up to 4 msgs/day. Rely Help for help, Stop to end. Msg & Data Rates May Apply ''. I also got an email that asked me to confirm my email address. 
XXXX. XX/XX/2022 I got a mail from Discover said they are not able to provide me an offer due to Recently opened bank revolving trades. 

I didn't ask for increase my credit limit and apply a XXXX Credit Card. 
I didn't open any XXXX account. I didn't have IRA account. 
I didn't ask Discover any offer. 
I didn't open any bank revolving trades.
Complaint sub-issue: Investigation took more than 30 days

I tried to contact all 3 credit bureaus on XXXX   XXXX   of 2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.
Complaint sub-issue: Funds not handled or disbursed as instructed

I had one checking and two savings accounts at Citibank. On XX/XX/XXXX someone walked into Citi branches in XXXX XXXX I live in XXXX  ) and deposited fraudulent checks into my account and made fraudulent withdrawals. Citi alerted me and I blocked and closed my accounts and opened new opens. I also went to the branch and told them which deposits and withdrawals were fraud. Two months later, after visiting the branch for the fourth time and spending at least 7-8 hours there, as well as having to call Citi and spend at least 6 hours on the phone with them, they still just started investigating. In the meantime, XXXX is calling pretending to be Citi asking me for personal information and no one is doing anything to shut them down, they arent part of Citi. 

Citi is a complete mess and not helping me sort out the fraud and there is ongoing fraud with this number calling me.
Complaint sub-issue: Don't agree with fees charged

Attended an online university as well as a normal brick and mortar school. Realized the education being offered was not quality and was not teaching me anything more than general knowledge that could be found anywhere. Teachers were not real. My wife and I attended the same university at the same time. The online professors were giving us the same responses verbatim proving they were not actual responses. I feel tricked and wronged and I do not feel entitled to repay the amounts as I never recieved what I was attempting to pay for.
Complaint sub-issue: Problem accessing account

when i go to link my accounts to a site such as XXXX or XXXX  it keeps saying i am blocked and the bank told me it's not them?
Complaint sub-issue: Information belongs to someone else

Equifax merge somebody else 's credit report with mine and the dispute process was a mess.
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 1681XXXX XXXX  accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

This is my 10th Complaint that I am a victim of identity theft and I COMPLAINT to dispute certain items in my file resulting from the crime. The items 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 the alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. Per required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS are require to remove any items which was opened without my knowledge, consent or authority within 4 business days : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXX XXXX XXXX {$3600.00} ; XXXX  XXXX XXXX Balance {$710.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX XXXX {$95.00} ; XXXX XXXX Balance {$640.00} ; XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Complaint sub-issue: Debt is not yours

I, XXXX XXXX, a consumer, the company Hunter Warfield has invaded my individual privacy., I am refusing to pay the alleged debt. I do not have trilateral contract with Hunter Warfield with my signature to the such alleged debt. I also never gave my direct permission for this debt collector to contact or use my location information. This debt collector has contacted me multiple times which were all inconvenient times for me that has disturb and annoyed me because I was spending time with my family and at my place of employment. HunterWarfield contacted me by phone on XX/XX/2022, XX/XX/2022 and email on XX/XX/2022 without prior direct consent from myself.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I have been calling this company for weeks have left messages trying to get my consumer report frozen. They do not call back & continue to report inaccurate information due to identity theft. All other consumer agencies have responded. I am requesting my consumer reports frozen.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I filed a dispute requesting validation and asked for conformation on how the bankruptcy information was verified. On XX/XX/XXXX I received an email from Equifax stating my dispute was completed. The letter stated they verified the bankruptcy information through there third party vendor XXXX XXXX. I have a letter from XXXX XXXX stating my bankruptcy information was deleted from my report with them. I called Equifax XX/XX/XXXX spoke with a representative and asked how my information was verified with XXXX XXXX when that information was not in their system the rep stated they dont use XXXX XXXX and said they verify through the courts, I then asked if they called the courts, went to the court house and asked for who they verified the information with, the rep stated she cant tell me, I asked for a supervisor, I then spoke with XXXX who state the courts sends them the information electronically I then asked why my letter stated they verified it through XXXX XXXX the supervisor could not explain why he was giving me different information.
Complaint sub-issue: Attempted to collect wrong amount

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested XXXX to provide details on how the alleged amount of {$1000.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account. As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.
Complaint sub-issue: Debt is not yours

I received a collection notice in the mail and i was devastated. The collection company says that I owed {$340.00}. Someone stole my identity and stole other information from where ever they got it from. The collection agency is called Total card Inc. The current creditor is called XXXX XXXX XXXX XXXX the original credit account number is # XXXX the file number is # XXXX. I have XXXX and i was taken advantage of.
Complaint sub-issue: Debt is not yours

On XX/XX/2022 I sent a letter to XXXX, XXXX and Equifax about collection accounts on my report that do not belong to me. They are in violation and have not responded. I am demanded that these accounts get deleted immediately.
Complaint sub-issue: Account information incorrect

Please verify that all information is 100 percent accurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below is the account in question : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00}
Complaint sub-issue: Not given enough info to verify debt

I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Their investigation did not fix an error on your report

There were creditors listed on my credit report that I had completed the debt verification process with. After having not received a response from the creditors to validate the debt I reached out to them a second time and demanded the information be sent or they discontinue reporting set information. Per the guidelines for the debt verification process. All correspondence was completed via US air mail certified. At the 45 day mark, I reached out to all three of the credit bureaus and ask them to remove the information per the FCRA guidelines for the debt verification process, XXXX refuses to remove information that has repeatedly been disputed that has been unverifiable with a creditor yet each dispute comes back as Debt verified is accurate within a day or two of the submission. If they wont respond to me in 45 days via air mail with the hopes of recovering a loss, then they clearly have not responded to the credit bureau to verify that and definitely not within 48 to 72 hour timeframe.
Complaint sub-issue: Information is missing that should be on the report

I've contacted DIscover various times to payoff balance. I was offered to payoff balace for a discount which I am willing to do. I am calling doscover and they just send me to another " special division '' ad then the line just hangs up. 

I want to resolve issue and pay off any balance if there is actually a balance to pay off due to Statute off limitations and the fact that Discover also againtst FDCPA contacted an unrelated third party regarding an alleged debt. They left a voicemail and it is in my posession. 

Thank you and Discover should erase any negative remarks from my credit report. 

XXXX XXXX XXXX