Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not mine

I switched cell phone carriers in XXXX of 2013. XXXX XXXX XXXX to XXXX. Was able to keep my cell phone numbers upon switching companies. Contract with XXXX XXXX XXXX was complete. I had been with that company when it was XXXX. That 's how long I was with XXXX XXXX XXXX. Received a call from XXXX XXXX XXXX about two months after swapping carriers. XXXX informed me that I owed them equipment charge taxes which was over {$200.00}. I asked them why they said It was for their equipment taxes? I said I never heard anything about taxes when I switched. After a brief discussion the representative said not to worry I had been with the company for a extended time and they would just waive the tax charge. I thought that was the end of the story. It did not end there. Enhanced Recovery Company out of XXXX Florida enters the scene one year later with collection on my credit report. This is straight bogus and I have dispute with all XXXX credit report agencies and all they do is after XXXX month is say its legitimate and it will stay on my report. They do not even make that company show any proof that I owe anything. They are asking for {$810.00} to settle this claim. I owe no XXXX anything at all. Please help me remove this from my credit report and make this company report correct collections. They are causing a lot of pain while doing thisXXXX XXXX
Complaint sub-issue: Account information incorrect

I have called MoneyLion on XXXX to close and removed an account off my credit, they promised me Im XX/XX/XXXX they would close but still did not. It was reported XX/XX/XXXX to all credit reports even after I was on a recorded lion stating that they would close it and bring balance back down to XXXX $
Complaint sub-issue: Information belongs to someone else

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and proof of my identity and FTC report and I also made police report and receive a report number. Thanks you
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I recently made a complaint to Equifax about not being able to access my " myEquifax '' account since XXXX of XXXX and not being able to see my score or credit report on " myEquifax '' or XXXX. I also included in the complaint that lenders who use equifax to determine eligibility are denying me credit because when they go to check my credit history, there is no file on record for me or they are unable to access it. I have a great credit score and have never been denied for anything until this error came into place around XX/XX/XXXX. Equifax 's response was that I would be sent my credit score and file in the mail. This was false as i never received my score, only the credit file itself, and not the resolution I asked for. While it is good to know they have my credit file, I was never sent my score as promised nor can I log into their website ( myEquifax ) as I should be able to since I've had an account since XX/XX/XXXX. I have spoken with over 10 reps who have all said IT will fix the account and get back to me. This has been an ongoing problem since XXXX of last year and no being able to go through lenders who use equifax and also not being able to access my score and file ONLINE is hindering me in more ways than you can imagine. I was informed I was apart of the data breach in XXXX so I'm not sure if that has anything to do with it but this is ridiculous and has been an extremely frustrating process. Almost a full year of begging for my score, my " myEquifax '' account back, and my file to be open and accessible to lenders. I spoke with a representative who told me he deleted the account and to make a new one, that did not work. I spoke with a rep who had me change emails for the account, that did not work. I submitted screenshots of both failures. 10 reps and 2 CFPBcomplaints later I still can't access my score online nor can I log into " Myequifax '' this error even affects my XXXX access to my records. I will submit a screenshot of that also. Its pretty insane that I receive promo emails to sign up for Equifax Complete Premier accounts and other promo from equifax, but cant take advantage. This needs to be taken more seriously because I've been dragged along long enough. I can't even see my score on XXXX, XXXX XXXX, and other companies who partner with equifax to show you your score.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLL ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

Home depot / Citibank credit card issued by Home Depot in XXXX XXXX Ohio, XXXX. Bought a new home and decided to have Home Depot install new floors. Decided to get and use the Home depot credit card and use it to pay for the floors. After the floors were installed and all problems were resolved paid the account off, {$10000.00} ) paid in cash ) .Ordered floor in XXXX, job still wasn't complete. We had to move on XX/XX/XXXX. Baseboard and grout work was still not done. Job was finally finished two weeks later and we signed off so the charges were started. Received the bill XX/XX/XXXX with a late charge on bill. Bill was due XXXX XXXX. Paid entire amount off {$10000.00}. Received a new bill XX/XX/XXXX stating we owed {$58.00}. Called Citibank and made a complaint about the bill arriving after it was due and the fact we couldn't know of the payment date until we received the 1st bill and that we had paid the entire amount off. The person at Citibank said they saw the error and that we owed nothing and they would fix the problem. I thought is was over. Received a new bill XX/XX/XXXX stating that I owed {$58.00} again, one {$28.00} late fee and a {$30.00} late fee for not paying the 1st late fee. I owed them XXXX. The account was to have been closed.I called Citibank and talked to a supervisor named XXXX and explained the situation. She pulled up the notes and said that she saw the problem and we owed nothing and she would resolve the problem. Today XX/XX/XXXX, I received a phone call stating that my account was overdue. Again I called and again I talked to the same lady and again she said I owed nothing and that she would fix the problem. But as you can tell I don't believe her. My credit score is over 800 and I would like to keep that way. I would like to close the account permanently, but my friend did that and it messed with his credit score. I am also worried that if I just don't use the card again, they might close the account and it show up on my credit score as an unpaid account. Whatever you can do to help me with my situation would be greatly appreciated. Thank you
Complaint sub-issue: Charged too much interest

Citi Bank settled a case for over charging interest between XX/XX/XXXX and XX/XX/XXXX. I was involved in this settlement and received a check for the incorrect charges on one existing credit card account. 
I had an additional Citi Card account that has not been reviewed or any notification provided. The concern here is that the account was transferred to XXXX XXXX at the start of XXXX. How do I get confirmation that the additional account ( no longer Citi Bank ) was fairly reviewed? 
Citi is in denial and XXXX has no request for review to date.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I am writing in reference to the three credit bureaus. I am having an issue with each bureau reporting information on my credit report that in unjust. First and foremost I have attempted to fix these issues on a few occasions and they have helped with nothing. The first is XXXX XXXX not only have I disputed this account on multiple occasions they have yet to notate the account that it has been disputed this is a violation is grounds for removal of the account on my credit report. This account is also reporting as an installment account and that is incorrect because it was a sales agreement, that is another violation due to incorrect reporting. I also have an issue with two other accounts that are in violation of 1681e-d one is capital bank, and the other is credence RM. I have been disputing capital bank since XXXX and they have yet to notate the account stating that it is in dispute meaning that this is grounds for removal and also a violation under the FCRA because they must notate the account within 30 days. These companies have also failed to provide the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX bank and XX/XX/XXXX. That means I have no contractual agreement to pay them on alleged debt. Please remove all accounts from my credit report immediately. These accounts are also reporting charge off payment histories, however, a charged off account should not reflect any payment history because a charge off is not a form of payment, in fact a charge off is considered income under consumer law. Please remove from my report immediately, thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

At the beginning of XX/XX/2017 I discovered that I had become a victim of Identity Theft and someone unknown to me had used my personal information to get credit cards, medical attention and personal loans under my name from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and Equifax stated that the items are under investigation and XXXX has done nothing. 30 days have passed and I sent my SECOND request to Equifax and XXXX, Equifax stated again under investigation and XXXX  has again done nothing which is why I decide to come here for help, please help me
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX  XXXX XXXX or XXXX
Complaint sub-issue: Information belongs to someone else

I am seeking assistance in resolving a matter with the credit bureau Equifax. I have exhausted all means of trying to have a former address removed from my credit report since XX/XX/20 as a result of identity theft that occurred with XXXX XXXX with no resolution. This account was open with my SSN #, name, and an address I never resided ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Please see steps taken below. *Please note Equifax has removed/deleted the fraudulent charges reported from XXXX XXXX. 
Filed disputes with all 3 credit bureaus. XXXX  and XXXX have resolved/removed the fraudulent charges and address associated with the charges ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
Filed 11 claims with Equifax from XX/XX/20 thru XX/XX/20 ( Documentation attached ) Filed a police report with my local police department/XXXX XXXX, which provided a summary letter to send to the 3 credit bureaus and XXXX XXXX. ( Letter attached ) Contacted the collections agency XXXX XXXX XXXX XXXX XXXX, because the XXXX XXXX account was turned over to this agency to collect the fraudulent debt incurred due to identity theft. After speaking to the agency, the account was then turned back over to XXXX XXXX. 
Contacted XXXX XXXX which reported the account information along with the address associated with the account XXXX XXXX XXXX XXXX, XXXX, MO XXXX to the 3 credit bureaus. An investigate was conducted by the Fraud/Investigation Department ( Incident # XXXX ). The results concluded that the charges were fraudulent charges, which was a result of identity theft, and the account was open with my SSN #, name, and the address which I never resided at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
Created an account with identytheft.gov to help resolve my issue with identity theft, which was a result of fraudulent charges that occurred with XXXX XXXX. Followed plan and sent letters to the 3 credit bureaus and XXXX XXXX. ( See letter attached to Equifax )
Complaint sub-issue: Account status

I transferred a balance to this XXXX card in XXXX of 2016. Once it was there I transferred it to another institution, this allowed me to get a fixed rate of 5.99 % for the life of the balance. As soon as the balance hit the XXXX account, I transferred it to the final card account. That transfer cleared XXXX on XXXX XXXX, 2016. At that point there was a bit of interest accrued for sitting there, so I submitted a payment of the remaining balance, which cleared XXXX on the XXXX of XXXX, bringing my balance to {$0.00}. There was no way in the XXXX online system to get a payoff balance for the card, so the only amount I had was the current amount due to bring it to {$0.00}, which I paid. I subsequently closed the account with XXXX and had {$0.00} balances on anything remaining at XXXX. I received electronic statements as well. Apparently XXXX charged me interest in XXXX, since my accounts were at {$0.00} and I had electronic statements, I actually did n't realize I had been charged this incorrectly on my account. I did receive a physical statement in XXXX, after the amount was 30 days past due. I called XXXX at that time and they refused to remove the amount that was due on the account. During my dispute process the account went to 60 days past due. XXXX is reporting this to the credit agencies as well. On XXXX XXXX XXXX finally credited my account of the incorrect charge and brought it to a zero balance. I filed a dispute with XXXX in XXXX to have the credit reporting fixed, which was denied by XXXX. They beleive they are reporting it correctly, which they are not, and XXXX refunding the amount should make this clear that it was through no fault of my own. The total charge was around {$4.00}, which is disputed. I asked XXXX to fix my credit report, they did not. I escalated it, and XXXX still refused to fix my credit report, or unreport the disputed amount with the credit agencies. This is my last resort, as this error by XXXX has cost my FICO score about XXXX points over the last 3 months. Please advise on how I can get XXXX to correct this issue. 

Thanks, XXXX XXXX
Complaint sub-issue: Account status

Equifax is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.
Complaint sub-issue: Account information incorrect

I spoke to two representatives from Conns customer service. My complaint was the principal balance was not being updated on my credit report. And has not been updated for months. 1st rep  said that she would put in a dispute 2 weeks ago. I never heard anything back about the principal balance. So I called again XX/XX/18 and the rep said she would put in a disuse. I have little faith in the stories these reps tell.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously disputed this item with Equifax. I have also sent a copy of this letter from the creditor showing that they should be removed from my credit bureau. Equifax is the only one that has not complied with the request on the letter. I demand that this be removed immediately.
Complaint sub-issue: Frequent or repeated calls

They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX/XXXX REPEATEDLY ATTEMPTED TO CONTACT THEN OVER THE PAST YEARS. Im a service member that was XXXX XXXX since XX/XX/2012 They cant find my account on file in order for me to pay off the debt.
Complaint sub-issue: Information belongs to someone else

I HAVE DISPUTED WITH EQUIFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Complaint sub-issue: Information belongs to someone else

SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX  XXXX  FTC VIOLATIONS FILED AND SENT
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX I was advised of several high charges on my Bloomingdales store account. I contacted the fraud dept. immediately and we cancelled the store card. They would be investigating and sending a new card. Payments were on hold. I haven't used the account in over 2 years so I don't owe them ANYTHING. Another card arrives and not used but in XXXX I discover more fraudulent charges on the NEW acct. I contact them and again acct. cancelled. New card sent, under investigation, no payments due at this time. On XXXX XXXX, because I had autopay set up, they deducted full amount from my bank acct. {$3200.00}. I am still trying to get this back. I call almost once a day. They promise 3-5 business days it will be put back in my checking acct. This has been going on since XX/XX/XXXX and still my money has not been returned. I even had to fax them a copy of my bank statement to prove that they had taken the money from me. I do not feel very secure about them having my banking information. 
On XXXX XXXX I received a letter stating that they reversed the other charges from XXXX That was a day after they took the {$3200.00} from my bank. I believe these both were " inside jobs '' since it was only Bloomingdales store acct. affected, not the XXXX XXXX part of it, not the other store, XXXX XXXX, which is same XXXX. XXXX XXXX XXXX  company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXX Cash Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Debt was result of identity theft

After reviewing my credit file it has come to my attention that ERC is reporting 2 accounts representing XXXX onto my credit file. One in the amount of {$370.00} and another in the amount of {$610.00}. Not only do these accounts do not belong to me I was never informed and given my right to dispute the validity of these 2 accounts. I have never received any communication regarding these accounts from ERC. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Information belongs to someone else

There is a paid charge off under the name XXXX XXXX XXXX account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!
Complaint sub-issue: Account information incorrect

Company not licensed to collect in the state of Illinois. This is a violation. They also never presented a contract showing I owed them any money. 

I noticed my credit report had a collection account on it. I immediately sent the company a letter. They in turn sent me a letter dated XX/XX/2019 regarding my request for reinvestigation. Issue is, I never requested anything be reinvestigated. I have never done business with XXXX XXXX XXXX, XXXX. What they did was send me a bill from another company and 2 pages of a rental agreement bearing the name of a rental   complex. That agreement does not show XXXX XXXX XXXX, XXXX to be the company due payment, yet they sent that with an expectation of payment to them.