Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

On or around XX/XX/2022 I requested all 3 consumer credit reports. XXXX verified my identify immediately, XXXX indicated they could not identify me, and Equifax simply rejected my request with the same response " We could not identify you. '' XXXX sent me a post card on XX/XX/2022 indicating that someone had tried to get my credit report. They asked for two forms of identification. I sent them my VA XXXX Drivers ' License and my social security card. 

No response. I really need to get these credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

Regarding XXXX XXXX I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I just had a account hit my credit report about a week ago for {$820.00}. I don't know what it is for or who the original company is. No one has reached out to verify the information they've added to my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have sent disputes every 45 days since XXXX. XXXX  hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my report since XXXX and XXXX has refused to respond. I have the email from XXXX executive office stating that it should be deleted and XXXX still hasn't responded. 
Equifax keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. Equifax also refused to respond or update my file. XXXX says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Banks 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Investigation took more than 30 days

I have attached an affidavit of truth to address the issues the credit reporting agencies refuse to address.
Complaint sub-issue: Account information incorrect

On XX/XX/19, I received my credit report form you. It included the following incorrect information : Conns Account # XXXX After requesting validation and correction to my credit report on both XX/XX/19 an XX/XX/2019, I received a letter from that creditor verifying that the information in which they are reporting to my credit report is inaccurate. Both instances this company has refused to correct their inaccurate information and it has caused me great hardship.
Complaint sub-issue: Reporting company used your report improperly

the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) 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 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( 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 reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report 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 XXXXXXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information om my credit report im also sending you the letters i sent to the reporting agencies.

15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction
Complaint sub-issue: Reporting company used your report improperly

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING.

I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section XXXX and Section XXXX, regarding your continued willful and negligent non-compliance. 

Despite my previous XXXX formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after XXXX written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is parroted information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA.

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with this Federal Law. 

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, I went to ATM machine located at XXXX XXXX XXXX in XXXX, WA XXXX. The ATM is owned by a company called XXXX XXXX XXXX XXXX. I attempted to withdraw {$500.00} but was declined so I never received the funds even though I had the funds in my account. However, US bank took out the money out of my account ( my customer ID number is XXXX ) even though I never received the money. Their number is XXXX. 

On XX/XX/XXXX, I contacted XXXX and spoke with supervisor XXXX XXXX. His number is XXXX, ext XXXX. He said US bank declined the transaction ( XXXX XXXX ). We have a 3- way telephone conference with supervisor XXXX XXXX US bank. She claimed the money was authorized and they dispersed the money to XXXX. She gave me their authorization number of XXXX. 

In XX/XX/XXXX, I forward the US bank statement to XXXX showing the funds was taken out of my account and was told to file a dispute with US bank, which I did. On XX/XX/XXXX, US bank issued a provisional credit of {$500.00} back into my account. However, they took it out again on XX/XX/XXXX. 

I called US bank. I forgot who I spoke to but she was very rude. She said I lost the dispute. I requested several times that they send me documentation showing they dispersed the funds to XXXX so I can file a complaint. But, I have never received anything to date. 

I have been going back and forth between both agencies and this has been a very frustrating process. I have suffered financially because of this. I believe that the fault lies with US bank who has been extremely difficult to deal with. XXXX has been helpful in trying to resolve this, but they can not issue me a refund since they never gave me the funds. ( See attached email ) Please look into this matter. I am attaching the bank statements from XXXX to XX/XX/XXXX ( XX/XX/XXXX : {$500.00} was taken out of my account ; XX/XX/XXXX : a provisional credit was issued ; XX/XX/XXXX : it was taken back out ).
Complaint sub-issue: Card was charged for something you did not purchase with the card

I am the victim of fraud. On XX/XX/2020 ; multiple fraudulent charges of {$54.00} XXXX ( Total : {$270.00} ) were made to XXXX XXXX store XXXX ( XXXX, AZ ) via my cash app. I contacted the merchant immediately on * ( XX/XX/2020 ) only to be told it was nothing he could do, and advise that I contact my card company. I contacted Cash App immediately as well on * ( XX/XX/2020 ) only to receive a generic response requesting information * ( email to merchant, police report, Internet crime report, etc. ) which I provided in several emails only to still NOT be refunded for the {$270.00} that was stolen from me, and dispute not file by cash app as requested. Cash App has compromised my account. A few months ago Cash app changed my account and routing number without my knowledge and permission. Now this has happen to me, and my money has been stolen and cash app is refusing to do anything about it. Cash app is not responding to my emails. I'm requesting to be refunded the money that was stolen from me by Cash App and XXXX XXXX store * ( XXXX XXXX. I truly believe in good faith that Cash App has compromised my account, and made fraudulent charges to XXXX XXXX via my cash app account.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX  KEPT CALLING MY MOM AND DAD OVER 30 TIMES TRYING TOMCOLLECT FOR XXXX XXXX, ANOTHER GREAKLAKE STUDENT LOAN. THE TWO CELL NUMBERS ARE ( XXXX ) XXXX AND ( XXXX ) XXXX AND ( XXXX ) XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been a victim of identity theft. I placed a fraud alert and credit freeze with the 3 bureaus. The applications are numerous and keep coming in. Although they are being declined due to the credit freeze, one of the applications for a pre-qualified personal loan through a bank was through Credit Karma. I do NOT have an account set up with Credit Karma, never have had one. I tried to get information from Credit Karma to cancel any account they have in my name because it is fraudulent, but they have no phone number, and have not responded to my email requests through their " Contact Us '' support email address. I put " URGENT FRAUD/ID THEFT '' in the subject line, and after 5 days, no response. If the thief has a Credit Karma account, they can get copies of my credit reports and have even more identifying information! I have contacted FTC, local police, credit bureaus, and the Postal Inspector General, but if someone has this much access to my credit file through Credit Karma, I want to know how they set up the account, and to get it cancelled. How do I get a response from Credit Karma?
Complaint sub-issue: Card opened as result of identity theft or fraud

I contacted XXXX  about CITI on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.
Complaint sub-issue: Account terms

My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly. I was recently denied a credit card because of this incorrectly reported information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I have complained about this numerous times with the credit bureaus and with the company directly to no avail. This loan is past the statute of limitations for reporting on my credit report. The date of last payment and the date the account was closed was XX/XX/XXXX. Over 9 years ago! The last time it was reported was XX/XX/XXXX which is odd because they are reporting on something that was paid in full, closed and a year after the fact. This needs to be removed from my credit report immediately. 

The account number is Account Number xxxxx XXXX
Complaint sub-issue: Fees charged for closing account

RE : Previous complaint No. XXXX - **** Inadequately disclosed outrageous early withdrawal Penalty. **** I finally did receive a copy of the " Deposit Account Agreement '' which I requested from Discover Bank with 3 or 4 phone attempts starting well over a month ago. Thank you. While this agreement does show the early withdrawal penalty for my 10 year CD being the outrageous 24 months of simple interest I was not well informed of this penalty being the 24 months instead of the 7 months penalty of my previous 2 CDs with Discover Bank. It is claimed by Discover Bank that this online application was electronically signed which I do not remember but would not have agreed to the 24 month penalty if it was made apparent to me. It had to be concealed in " fine print '' somewhere - I now understand why - who would open a CD with a 24 months penalty for early withdrawal. 

I want to be refunded 17 months of simple interest.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.
Complaint sub-issue: Problem using a debit or ATM card

I called into US bank regarding a dispute I needed to file when I spoke with customer service the representative was rude and a nasty lady on the phone. After telling her I was not going to keep repeating myself since she was not listening to what I had to say I asked to speak to her manager and she hung up on me. When I called back to customer service and spoke with a manager she seemed as if she didn't give a XXXX that my legal right to dispute a transaction on my account were violated and acted very nonchalant as if it was just ok with an apology and a whatever. Just nasty trashy low class customer service. I will be filing a complaint with the A.G. 's office and every other regulating agency over this type of illegal banking practices.
Complaint sub-issue: Information is not mine

I am continuing to have problems in getting a public record removed from my experian file with XXXX XXXX Clerk XXXX. XXXX continues to claim that they are verifying the Judgement through Lexis Nexis even after I received confirmation fro Lexis Nexis on XXXX XXXX that the Judgement was removed.Please find letter attached. I need lexis nexis to contact XXXX and send them an update of the judgement being removed from my lexis nexis risk file.
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX has called me and threatened to sue me for a debt that is very old 20+ years. They stated that they were going to put liens on my cars and house and reposses them and destroy my credit. They also told me that I was an " XXXX have no sense at all and must have been XXXX XXXX XXXX XXXX  in the XXXX making my XXXX '' ( Those were there exact words ). They are claiming that it is a discovery card debt of a little over {$1000.00}. from XX/XX/XXXX, to the best of my recollection I did not even have a discover card in XX/XX/XXXX. All my debt payments from approx XX/XX/XXXX are all up to date. They have also called and harassed my wife and mother in law on the phone ( they of course have never been given consent to contact those numbers ).