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

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX  XXXX. 



Subject : CHARGE-OFF DISPUTE Account : Discover bank To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).

1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the XXXX XXXX of XXXX ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting
Complaint sub-issue: Debt is not yours

I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
Complaint sub-issue: Their investigation did not fix an error on your report

I has been over 6 months that I have submitted documentation to Equifax  to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax   keeps telling me its one account but I can not verify myself. equifax   continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago
Complaint sub-issue: Debt is not mine

I noticed that my credit score had dropped precipitously from XXXX to XXXX due to a negative report. When I ran my credit report I found a false report had been made. PMAB LLC is a collection agency employed by XXXX XXXX XXXX. PMAB LLC reported an account balance of {$440.00} as not paid to the XXXX and other credit bureaus. PMAB LLC had good reason to know the account was not mine. When I telephoned PMAB they admitted the charge had been made by my XXXX year old son, not by me. They identified my address as a former address where I have not lived for 8 years. When I complained I was told I should get my son to pay the bill. I am not responsible for the bill. I am not responsible for getting my son to pay his bills. When I telephoned XXXX XXXX XXXX to complain, they told me they had no balance due on any account from me. That leads me to believe the collection agency is an unscrupulous agency which preys on the elderly by engaging in extortion. Please assist me in regaining my rightful credit score by the elimination of this unlawful report. I have attached a copy of the PMAB item as shown on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputes and FTC reports for fraudulent accounts on my credit. These accounts have not been removed. 

XXXX  - XXXX {$530.00} XXXX XXXX  XXXX {$10000.00} Equifax - XXXX XXXX {$2300.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$530.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX Bank, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX. I received letters from XXXX Bank validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with a credit reporting agency with all required documentation to validate I am a victim of IDENTITY This has not been done. After calling the credit reporting agency I have not been provided information and documentation why this has not been honored. I was informed to submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and I have not received anything to my request.
Complaint sub-issue: Company closed your account

I received a notification from The Home Depot that my credit line had decreased from {$4000.00} down to {$500.00} due to a review of my account. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and Home Depot/Citi Bank has not been willing to resolve this matter in a manner that is fair to the customer.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have called Citibank Fraud Dept. on XX/XX/19 to report the fraudulent charge when they were just pending ( 4 charges ). 3 charged were reversed. Charge of {$92.00} is not reversed and payment is due XX/XX/2019. 
Called again on XX/XX/19, told they would take care of it, This representative called the vendor in a 3 way call who confirmed I did not make the charge and it was not my address for shipment. ( Shipment was stopped before delivery ) Still not reversed. 
Went into bank on XX/XX/19 and told must call and speak to a Supervisor. Called for the 1st time on XX/XX/19 ( 46.51 minute call ) spoke with a Supervisor who did absolutely nothing to help and transferred me to a Dept. who said they would " look into it ''.

Called a second time on XX/XX/19 and spoke to another Supervisor who again said she would have it taken care of.

After 4 phone calls, a visit to the bank, a conversation for seller, and over 1 month later I am still charged for the {$92.00}.

This amount was charged to a Visa Credit Card that Citibank closed in XX/XX/2019 as they no longer offer Visa cards.
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/2021 in the evening I received a Cash app debit card in the mail that I did not sign up for. I tried to contact Cash App but they were not available as it was in the evening. I called on XX/XX/2021 and spoke to someone named XXXX. He sent me a link to upload images of the card and stated he would use this information to disable it ( or forward it to someone who would review and do so ). I immediately forwarded the information and have never heard back. I emailed XX/XX/2021 to follow up and did not hear anything. On XX/XX/2021 I received a follow up email asking for a lot of information I would have been happy to provide earlier but was instead asked to submit pictures. I have responded to the email but I feel they make it incredibly difficult to contact them and take a very long time to respond.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the Equifax data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

Fedloans.org does not process payments in a timely manner and continues to charge interest between the day when the payment is submitted and when the payment clears. As of today, I submitted a payment on Friday, XX/XX/XXXX. As of today, XX/XX/XXXX The payment has not cleared and the outstanding interest continues to accrue based on the loan be-payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft and have asked Lexis Nexis to completely opt out of my information but instead they have ignored me request on multiple occasions. My information should be surpassed.
Complaint sub-issue: Didn't receive notice of right to dispute

I received seervice at XXXX XXXX XXXX, after the invoice was genereated we agree to payments debted automatic from my account, after XXXXXXXX XXXX had passed a collection agency was taken my paymnets withouth any explanation ( Gobal Receivable Solutions Inc XXXX we concluded that a new agreement was settle to make payments of {$140.00} starting XXXX XXXX after XXXX XXXX they accepted know a new collection agency is trying to collect the money without any knowledge
Complaint sub-issue: Information is not mine

I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Equifax. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.
Complaint sub-issue: Transaction was not authorized

On XX/XX/3021 My account was hacked. I woke on XX/XX/2021 and checked my account and all my money was gone. I contacted my card company and filed a dispute, I was told that I WILL get a provisional credit applied to my account if I provide my dispute form within 10 days. I said ok and sent the card company my dispute form. So now here it is XX/XX/2021 and I was told the dispute team made a decision on XX/XX/2021 that my claim was denied. I informed the rep that when the money was taken out of my account I was sound asleep due to the fact that I had to work the next morning. The reason they say I was denied was because the merchant told them that I was aware of the charge, but that is not true. I asked for the merchants info and the card company could not provide me that info. So as you can see I am clearly frustrated about this issue. I have bills to pay.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I filed a dispute with Equifax regarding a collection account that suddenly appeared on my credit report. I notified Equifax that XXXX XXXX XXXX XXXX XXXXXXXX XXXX randomly put this account on my credit report without notifying me of the account. I never once received a bill from XXXX or any other communication. I explained to Equifax that I called XXXX and they stated they had a previous address on record. I informed Equifax that XXXX, the holder of the debt, has my most recent address, which has been my address since XX/XX/XXXX. Equifax 's response to my dispute was only that the account was mine. 

The problem is, Equifax does not advocate for the consumer. There is no way a collection firm should be able to put negative information on someone's credit file without showing due diligence to recover the debt. There was no effort on the part of XXXX. XXXX previously placed the debt with the XXXX XXXX XXXX XXXX XXXX XXXX registered as XXXX XXXX. I arranged bill payments directly to XXXX XXXX. After several payments I was informed that XXXX XXXX no longer had the account. I had to have my credit union stop payment on 8 checks that had already been sent to XXXX XXXX and cancel the direct payment. 

When Equifax refused to remove the collection account I set up bill payments to XXXX, I have since received a letter from XXXX along with a check stating they do not have my account. At a minimum Equifax should have removed the item and informed XXXX that they had to make an attempt to resolve the matter without putting the derogatory information on my credit report. All of this time the item has been on my credit and I can not seem to get anyone to take my payments. 

I continue to file complaints about the credit bureaus. The credit bureaus are for profit and that is in direct conflict with the decisions they make when making decisions about a consumer 's credit. They are essentially working for big institutions. They pedal credit cards for banking institutions and other products. The credit rating system is corrupt and it can adversely impact people 's lives greatly. It affects where they live, work and what they can purchase. Credit impacts whether or not a person can get life insurance. That much power should not be allowed without strict regulation. They should not be able to work for those entities holding debt. It is just being bullied and ganged up on. There is nothing fair or just about the credit bureaus. Why is there such a high burden on the consumer to disprove the information on the credit report and no burden placed on the company? The credit bureau merely asks the question and whatever they are told that is the end of the investigation.
Complaint sub-issue: Information belongs to someone else

This information doesnt belong to me, Ive reached out to the credit bureau multiple times trying to get these items removed, the credit bureau claims that documents were never received. Please refer to documents attached
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been seeking to have Equifax remove fraudulent inquires from by credit report for the last several months. I was repeatedly told by Equifax that I could not question these inquires and that I had to contact the issuers that made the inquire and have them report to Equifax that these inquires were made due to fraudulent activity. Despite the fact that I am not sure I did not have the right to question these inquires, the problem was that I had contacted the issuers multiple times, and each of them indicated that they had so reported to Equifax more than once. After months of effort, an Equifax representative finally told me that I could have these inquires investigated by Equifax if I faxed a written request with certain information and supporting document. I did this on XX/XX/2019. On XX/XX/2019, Equifax sent me a letter stating that they were unable to locate my credit file. This is a blatantly implausible statement. Equifax had sent me my credit report on XX/XX/2019, and it was identified by a specified Confirmation Number, which I was required to include in my letter. Thus, it is simply impossible to believe that Equifax could not find my credit file using its own Confirmation Number. This seems to me to be a continuation of Equifax ' unwillingness to take reasonable and appropriate action to investigate and correct, as appropriate, false items on one 's credit report and to throw up obstacles to doing so. Equifax claims that it need me to mail it evidence of my social security number along with official evidence of my address. It is incredible that Equifax would request anyone, let alone someone who already had their identity stole, to send such personal information throught the mail, especially when Equifax was already provided, at its insistence, with their own Confirmation Number for my credit file. No one should have to risk, needlessly, sending such information through the mail.
Complaint sub-issue: Information is not mine

Address XXXX XXXX XXXX XXXX nj is not mine never was on Equifax file I want it off please thanks
Complaint sub-issue: Their investigation did not fix an error on your report

Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$170.00} XXXX  XXXX {$300.00} XXXX  XXXX {$12000.00}
Complaint sub-issue: Account status incorrect

XXXX XXXXXXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.
Complaint sub-issue: Frequent or repeated calls

I get called at least twice a day, every day, Monday through Friday. When I ask what this is in reference to They keep saying " is this XXXX '' and do not answer my question.
Complaint sub-issue: Debt is not mine

I have gotten calls from XXXX XXXX, Flagship Credit, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I most recently spoke with an agent on XXXX/XXXX/16 at approx XXXX. The agent was polite and provided the above info after I advised her I was sick of the calls and was going to file a complaint. 

Approx 6 weeks ago we received several calls from this company and they left no message. When they called at a time I was home I answered a call from them, after I found out what they were after I answered some questions to verify I was not the person they were after. Some weeks went by and I started getting some calls again, no message left, again when I was home I answered the call. I told them I had answered their questions, cleared up the issue, I would not answer any more questions and to quit calling me. At this point I became uncooperative and remain so. 

A week or so passed and more calls with no message. Again when they called and I was home I answered and spoke with XXXX, this time I gathered contact information, informed her I would answer no questions and I was filing a complaint. 

I get the whole deal on collecting debts, they have a complex job but when someone cooperates, verifies some info, and continues to get calls they create a poor reputation for their company and the industry.