Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform XXXX, Equifax, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I've reached out to XXXX credit union about XXXX accounts i do not recognize on my credit report and have not received updates. I believed my mail was stolen from my previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and credit cards were open using my name and old address.A XXXX XXXX XXXX XXXX acount was also opened that I promptly paid in full to avoid further damage to my credit. my new address has also showed up as XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with CITI Bank Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another Associated XXXX XXXXXXXX XXXX and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the Citi card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the CITI Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the CITI Bank Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, CITI bank reported me to the credit agencies ( XXXX, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.
Complaint sub-issue: Information belongs to someone else

XXXX keeps allowing IC System to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score immediately
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting 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 XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, while on the trip to XXXX, the country was about to close its border due to the quarantine. Our return flights ere cancelled and i had to purchase another tickets from XXXX XXXX through the travel agency XXXX. 
I never received confirmation email from XXXX. Only two hours later, i received cancellation email from XXXX. I was then forced to buy another tickets from another company. 

But on XX/XX/XXXX i saw the 2x {$370.00} from XXXX on my Citi Card. XXXX was able to find my booking number, but told me to contact the XXXX to received either credit or refund. 
I called XXXX and they said they can not find any information about my purchase and there is nothing i can do. 

I then contacted Citi Cars to assist me to get refund, because i paid for services i never received. 
Citi Cards never asked me to provide any evidence and two weeks later sided with the merchant. 
My further attempt to contact the Citicard were fruitless, the number i was told to call by customer services is automated system that keeps kicking me out.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Credit inquiries on your report that you don't recognize

These are the following hard inquiries that I am requesting to be removed immediately, or proof providing these belong to me. 
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( XX/XX/XXXX XXXX )- ( XX/XX/XXXX XXXX XXXX ) - ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX, XXXX ) - ( XX/XX/XXXX CXXXX  )
Complaint sub-issue: Information is not mine

IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to Equifax, XXXX, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.
Complaint sub-issue: Personal information incorrect

I don't even know where to start, there is a lot of incorrect information showing on my credit report, As soon as I realized that I contacted the credit Bureaus via letter, they are not answering me and they said they opened an investigation. They are not providing any kind of clarification and at this point I'm starting to feel frustrated.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received XXXX gift cards as gifts, total value of {$150.00}. The gift cards are issued by US BANK NATIONAL ASSOCIATION. When I logged in to activate my gift cards they were already drained. The cards were sent as gifts to me from my mother so I know they were legitimate and unused ; I received the cards in their original packaging, unopened. 
I have contacted the bank several times and sent them the info they requested via fax and they refuse to help me unless I can provide a receipt. I can not provide a receipt because the cards were given as a gift. I am very concerned because this means the data at this bank is not secure if these gift card numbers are being used, even though the cards are not opened. At this point I dont even care about the money XXXX alarmed that there appears to be a lack of regulation and this product continues to be sold in stores, essentially defrauding the people who buy them and give them as gifts.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Personal information incorrect

Equifax sends me a form on XX/XX/XXXX about Identification. Equifax credit file has had in the past info sent with several forms of identification and there is always and issue with them. now they send this letter but mailing corrections to the same address. 
they also had over 4 address that were not mine with different address numbers but now ask for my address. Equifax plays games with sending information and I 'm going to keep on filing on them until things are right on my credit file. And file with the FTC. A bunch of phone numbers that did not belong to me. I do n't no how they obtain info but they just make up information on JOB telephone and address. I mailed them copy on my state lic Copy of check. copy of contract from my employee as a RN and I have sent enough and more than they request. I have sent it more than 5 times.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.
Complaint sub-issue: Problem making or receiving payments

BBVA was bought by PNC No access to phones, lobby full.

Auto bill pay sometimes works, debit card not always accepted. Deposits not credited. 
Since XX/XX/2021 Tried calling and stopping by. I cant waste any more time with these issues
Complaint sub-issue: Was not notified of investigation status or results

Certified mail was sent to Equifax, XXXX, and XXXX regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX  failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Equifax, XXXX, and XXXX  responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.
Complaint sub-issue: Account information incorrect

Reporting Inaccurate information on my account ( wrong Balances ) on my status on file
Complaint sub-issue: Information belongs to someone else

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: Debt is not yours

I received a notice in the mail on XXXX/XXXX/XXXX, which was dated XXXX/XXXX/XXXX from Creditone, L.L.C.  stating they were the current owner of my account and would like to offer me an opportunity to resolve the account for less than the total amount due. Stating the amount due was {$2300.00} and that they would accept payment of {$350.00} to satisfy the account, or monthly payments of {$32.00} per month under an agreed plan. I called to dispute, and after verifying my name and last four digits of my social security number, they said it was for a furniture purchase in XXXX. I said I have never purchased furniture on credit, so it was not my debt. They said they would request the original documents and send them to me in 6-8 weeks to see if I recognize the debt. Again, I stated that I have not purchased furniture on credit, and would remember if i did, so I am disputing this clam. The man said there was nothing I could do and I would have to wait for the documents, which would take 6-8 weeks. After the call, I realized that this was past the 10 year statute of limitations in Iowa, and not only was it not my debt, they had no legal recourse to try to collect it.
Complaint sub-issue: Personal information incorrect

I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX
Complaint sub-issue: Account information incorrect

I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my Equifax report. Also, I checked XXXX and XXXX and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE. I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.
Complaint sub-issue: Information belongs to someone else

I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
Complaint sub-issue: Investigation took more than 30 days

I submitted 2 disputes with Equifax on XXXX XXXX for XXXX a student loan service for a missed payment due to Covid 19 and XXXX for a missed payment on XX/XX/2021 on a closed account over, 6 years old. These accounts have been in dispute more than 30 days and has not been resolved and Equifax keeps telling me the disputes are still being process. Its well over 30 days with no results. I have attached the dates I filed the disputes and the estimated dates for them to be resolved by.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax ; XXXX and XXXX are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against Equifax ; XXXX and XXXX because I have tried to fix this issue with them, but they are still reporting the late payments.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these companies to run my credit. This is a second request to remove this information from my credit profile.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/17 I purchased {$610.00} worth of autographed pics on line from XXXX XXXX and we never received the merchandise we contacted the seller to no avail and ultimately filed a dispute with my credit card company citi card. The agent of their company handling the call mistakenly entered a fraud dispute instead of a billing dispute. After many months of going back and forth this error was finally corrected and a billing dispute was opened on XXXX of this year. By time this happened however citi had yanked the {$610.00} from the retailer and then since it was the wrong dispute they returned the money to XXXX XXXX. Clearly once money is returned citi can not for e the retailer to give it back so of course the retailer is refusing to do the right thing and now so is citi. After 9 months of fighting and going back and forth with citi they have closed both of these disputes and claim Im out of luck. Problem is according to federal law I should not have to pay for merchandise I clearly did not ever receive. And my credit should not be damaged as a result not should I be held liable for a mistake their employee made in the first place. I am seeking restitution from citi and to  have them write this money off as it was their mistake not mine and I want my credit which they have damaged to be restored regarding this matter.
Complaint sub-issue: Information belongs to someone else

Please delete all account which has nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Equifax on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous accounts and have them corrected or deleted from my file. 


XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Incorrect information and account from XXXX XXXX. I have never done any type of business with them for {$2600.00} to be reporting as a collection to this company. I have no knowledge of this account. Validation of debt requested on XX/XX/XXXX and request for delete also submitted on XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received an investigation results.