Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX claims that I have a debt with them. I am disputing this debt with Equifax. Equifax claims to have evidence from the original XXXX XXXX XXXX XXXX that validates the debt. The evidence they have presented in no way validates this debt. It looks like something XXXX made up on their computer and submitted. I could make up the same thing thing on my computer and put Equifaxes name on it. I want to see a signed credit card receipt with my name on it. If they dont have that then I need to see a copy of the credit card agreement between me and XXXX XXXX XXXX. If they dont have that then I need to see the phone records from XXXX XXXX XXXX from when I activated this alleged credit card. There is nothing that validates this debt yet Equfax claims to have proof of debt from original creditor but they refuse to show it to me. What they have presented does not validate this debt in anyway. See the attached document that Equfax has presented as proof of debt validation. I have asked XXXX 4 times ( all 4 times I submitted my request VIA the XXXX SC XXXX ) to validate this debt and they have yet to reply. I sent my first request to XXXX through the XXXX XXXX on XX/XX/XXXX ). The only thing XXXX has sent me is proof that I have not paid them. They have yet to submit the first credit card receipt with my name on it. They have yet to produce the credit card contract or alleged contract. They have showed no proof except for an alleged bill from XXXX XXXX XXXX. I could have made that same thing on my computer and put their names on it. If Equifax has actual proof that validates this debt I want to see it. I did not have a credit Card with XXXX XXXX XXXX in XXXX. I do have an unsecured credit card with XXXX XXXX XXXX but it is in good standing. If they can not produce Credible proof of this alleged debt then I want XXXX ( AKA XXXX XXXX ) trade line removed from my credit report. I have also request debt verification from XXXX through the CFPB and have yet to receive a response. I have attached the last response I received from XXXX XXXX. ( This was not through the XXXX of CFPB ) This was a response to a e-mail I sent them asking for debt verification.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Debt Reporting Act. 

XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX account # 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 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file 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 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: Fee problem

US Bank charged my checking account overdraft fees totaling {$2400.00} from XX/XX/XXXX through XX/XX/XXXX, many of these fees are the result of charging an overdraft fee multiple times on the same transaction, or they are the result of changing the order of transactions after the fact.
Complaint sub-issue: Overcharged for something you did purchase with the card

I used XXXX XXXX XXXX XXXX and gave XXXX my Costco/Citi Bank credit card number for monthly charges for the phone service. I discontinued my XXXX mobile service on XX/XX/2022 and began using the service of a different carrier. XXXX continued to charge my Costco Citi Bank card even though I had discontinued service with them. I notified Citi Bank several times. Citi Bank failed to resolve the dispute and continues to allow XXXX to charge my card.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in a letter to have XXXX to remove collection items reporting because these items were not accurate. They never responded to the request sent however, they did update the file to remove the Name of the collection company and list it has a zero balance. Along with my letter I sent them supporting documents were these accounts were paid directly to the original creditor XXXX XXXX Hospital. I also received documentation from the original creditor that payment was received and excepted. I contacted them by phone on XX/XX/XXXX at XXXX XXXX  to ask them to explain the reason for reporting with no Company Name and balance and who was the company. They told me the company name was XXXX XXXX. They stated that the company verified this item belonged to me. Well I requested them to send me how this item was verified for the second time. This error in reporting is Defamation, Negligent Enablement of Identity Fraud and VIOLATION of the Fair Credit Reporting Act. 
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Complaint sub-issue: Their investigation did not fix an error on your report

I do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Agency Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2017 Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also says a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt resulted from identity theft

i have a couple of accounts listed with your company XXXX for XXXX and another for XXXX that are fraudulent beggining with account number XXXX for both of these accounts they are resulting from my identity being stolen and i have tried everything to get these accounts removed from peoples files and my personal credit report being that they are truly fraudulent i have filed a police report and notarized affidavit as to the theft
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Debt is not mine

I have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!!
Complaint sub-issue: Problem getting my free annual report

I requested my XXXX free credit reports but was able to print only XXXX, XXXX and XXXX. 
Equifax reported they could not provide it on-line and when I tried to ask for it to be mailed I could not do so. When I went back to the Equifax web site it stated I had received my free credit report on XXXX/XXXX/2015 and I did not. I would like to get my report on-line so I can print it off immediately and submit information to make corrections.
Complaint sub-issue: Old information reappears or never goes away

XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.
Complaint sub-issue: Their investigation did not fix an error on your report

reason- I disputed inaccurate unverified items reporting on my Equifax report XX/XX/2019. Equifax claims to have verified but they have not furnished the requested documentation used to support their claim. Therefore Equifax is continuing to report false information on my file. They need to remove these unverified inaccurate items immediately : XXXX XXXX XXXX XXXX*** pay status is inaccurate. delete immediately XXXX XXXX XXXX XXXX*** XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX XXXX XXXX   XXXX***pay status is inaccurate. delete immediately XXXX   XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay  status is inaccurate. delete immediately XXXX XXXX XXXX***pay status is inaccurate. delete immediately XXXX   XXXX****pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX   XXXX***type of account is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***type of account is inaccurate. delete immediately XXXX XXXX 7788***pay status is inaccurate. delete immediately XXXX XXXX***type of account is inaccurate. delete immediately XXXX XXXX***account type is inaccurate. delete immediately XXXX XXXX XXXX***type of  account is inaccurate. delete immediately XXXX XXXX XXXX-inaccurate court name. delete immediately XXXX XXXX XXXX***inaccurate pay status. delete immediately XXXX XXXX XXXX***inaccurate pay status. delete immediately
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX XXXX i file a consumer complaint with XXXX  XXXX euiqafax about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and university XXXX XXXX for {$310.00}
Complaint sub-issue: Reporting company used your report improperly

I recently became a customer with XXXX XXXX XXXX on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, XXXX. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in XXXX system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with XXXX would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Complaint sub-issue: Debt is not yours

1. This complaint is in response to the false information you submitted to the CFPB on XX/XX/2018. In your response, you stated that you mailed an initial collection notice to me on XX/XX/2018. Apart from your harassing telephone calls, the only letter I received from FMS in XX/XX/2018 was dated XX/XX/2018 which I received on XX/XX/2018. Upon receiving said letter, I immediately responded with my XX/XX/2018 in which I clearly requested debt validation. FMS received my XX/XX/2018 letter on XX/XX/2018 at XXXX am. Despite this, FMS called me several times in violation of the FDCPA. Since my XX/XX/2018 letter requesting full debt validation, FMS did not contact me before XX/XX/2018 when XXXX delivered an envelope containing a SINGLE SHEET OF PAPER ( copy attached ) with my name printed thereon. This meant absolutely nothing to me. Presumably, FMS classified this as debt validation. I would like to make it absolutely clear that I AM STILL AWAITING FULL DEBT VALIDATION from FMS coupled with the legal basis it has to collect a debt from me. 

2. FMS clearly has been relentless in its attempt to collect an alleged debt that it not validated, can not validate or is refusing to validate. I do NOT owe any money to FMS whatsoever, nor do I owe any money to the University which FMS is purportedly collecting the debt on behalf. 

3. FMS contacted me by telephone and refused to identify themselves but had the audacity to request my personal information. I am a victim of identity theft and my personal information has been compromised as confirmed by the US Office Personnel Management. It amazes me that FMS alleges that it could NOT disclose account information to me, but yet, went ahead and reported a derogatory account on my credit reports without verifying my identity and/or validating the alleged debt. 

4. Contrary to paragraph 3 of FMS uploaded XX/XX/2018 letter, I have not received any XX/XX/2018 and/or XX/XX/2018 letters in the mail. 

5. Furthermore, the meaningless sheet of paper submitted is NOT DEBT VALIDATION. Attached herewith is a final letter requesting FULL DEBT VALIDATION, but not limited to, before this matter gets litigated. I trust that this issue can be resolved without the need for litigation. 

6. You are required to delete this erroneous and invalidated account information from my credit report. I reserve the right to sue for each violation for an amount equal to or up to the statutory cap of {$1000.00} per violation, excluding defamation and damages. 

7. I EAGERLY AWAIT DEBT VALIDATING WITHIN THE STIPULATED DEADLINE OF MY XX/XX/2018 LETTER.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDLOAN XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Account status incorrect

Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX  confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Account information incorrect

XXXX  XXXX Balance Owed : {$0.00} - This account has the wrong balance. Please remove this account because inaccurate information is being report XXXX XXXX XXXX Balance Owed : {$280.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately XXXX XXXX XXXX Balance Owed : {$83.00} - Your records are revealing conflicting and incorrect information compared to other bureaus XXXX  XXXX  XXXX Balance Owed : {$1700.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX  XXXX Balance Owed : {$71.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Complaint sub-issue: Company closed your account

On XXXX XXXX 2017 US Bank without notice closed my account and froze my funds.
Complaint sub-issue: Investigation took more than 30 days

After reviewing my credit report and understanding that based on 15 USC 1681 any inaccurate information needs to be removed. The credit bureaus are not making sure that they are getting these inaccuracies off my credit report. As a consumer I have a right to have all alleged fraud or unverified items off my credit report but yet the Credit Bureaus is not taking this matter seriously. I have attached a copy of my ID and my FTC report
Complaint sub-issue: Account status incorrect

1. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account was paid off and company agreed to delete upon payment. Account is still on my credit file. 
2. ) XXXX XXXX XXXX Account number XXXX Date last active and date last reported is different and I ask for it to be removed due to its inaccuracy. 
3. ) Inaccurate credit inquiries which I did not request and do not have and account. I have previously requested them inquires to be removed, however, the credit companies have ignored my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Vance and Huffman LLC on XX/XX/2022 and I have no recollection of doing any business with Vance and Huffman LLC. I am in the process of contacting Vance and Huffman LLC but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Complaint sub-issue: Information belongs to someone else

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Complaint sub-issue: Can't get flexible payment options

Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment
Complaint sub-issue: Banking errors

Tried to deposit checks with cash back. Paychecks were to my roommate. He endorsed them over to me. Manager XXXX would not allow us to deposit, even though we were both present with ids. Been depositing these check for two years and he claims the bank doesnt allow checks to be endorsed to others. Extremely rude.