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

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX Comment : inaccurate, DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my Equifax report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX- Everytime I dispute with Portfolio the Company raise the fees by {$200.00}. 00, or more after the dispute they lower it to the original amount.
Complaint sub-issue: Debt was result of identity theft

[ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Personal information incorrect

My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX  not  XXXX    XXXX   XXXX   XXXX    del  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX   XXXX   XXXX    XXXX   de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me.I am very annoyed and disappointed when I got my credit report just today.Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. I want this to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$85.00}
Complaint sub-issue: Old information reappears or never goes away

The following accounts and payment history has been deleted previously by Equifax, but the accounts keep reappearing on my credit report : XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. The following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXX, XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to XXXX XXXX via phone and via email regarding in accurate reporting. They were supposed to do a internal investigation but I still to this day haven't heard anything back. Below it the letter I have sent to them too as well. 


Loan Number : XXXX Payments : XX/XX/XXXX - XX/XX/XXXX I have been a XXXX XXXX customer since XXXX, and during that time, I have enjoyed my experience greatly. I am writing now to see if you would be willing to make a goodwill adjustment to your reporting to the main credit agencies ( XXXX, Equifax, and XXXX ). I have two late payments on the account that I referenced above that date back to XX/XX/XXXX and XX/XX/XXXX. Since that time, I have been an exceptional customer, paying all my other monthly payments on time. 
Because of my exceptional payment history over the last 2 years, I would like you to consider removing the late payments from my credit report. I did not intentionally mean to be late on my payments, but due to the unexpended end of my government contract I was out of suddenly out of employment. I also at that time only had one salary in the household. Both payments were last then 30 days late. 
It does not justify why the payments were late, but rather there to show that these late payments are not a good indicator of my actual creditworthiness. I hope that XXXX XXXX  is willing to work with me on erasing this mark from the reports. I am now knowledgeable and clearly understand the importance of credit history and would greatly appreciate it you could make the adjustment. 

Also, for the month of XX/XX/XXXX there was an error when processing my monthly payment. My monthly payment that I pay is {$1700.00}. There was an error that the representative actually processed a payment for {$17000.00}. With this being said, there was a correction that was sent credit bureaus but drastically dropped my credit score. My score dropped nearly 100 points. After the credit bureaus made the corrections my scores only changed about 40 points. I am also in process of refinancing with XXXX XXXX too as well. My application is still on hold as right now due to my credit score dropping. With the credit score the bouncing back to the score it was previously, I am unable to begin the refinance process with XXXX XXXX. With hopes that you would be willing to adjust the two late payments, this would get me in position to refinance with XXXX XXXX. 
I have been satisfied customer in the past and hope to continue a long relationship with XXXX XXXX, as the credit industry is so competitive. I know how important it is to maintain good relationships with customers, and you have done an exceptional job in my book so far. 
I hope that you will consider my request and prove, once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I spoke to CS rep. They were charging me since XX/XX/XXXX a card protection fee I said I did not approve this charge, the women said that it would be refunded back to the beginning when the fee started XX/XX/XXXX, in the amount of {$400.00}. Two weeks later I received a letter stating they would on go back 6 months. They credited me {$25.00} total I think this is unfair and unjust please help. 
Thank you XXXX XXXX
Complaint sub-issue: Company closed your account

Citi bank closed my account which was in good standing without warning. When I called them to ask why my account was closed without notice they advised me it was due to non-usage. The account has a XXXX balance and is in good standing. This dropped my credit score. This caused me harm and I work hard to keep my credit in good standing.

I was planning to use the card to travel but due to covid 19, I haven't had the opportunity yet. This seems like unfair business practices. Please advise me on what to do. I called Citi bank and they refused to re-open my account. They told me I could re-apply for the card I had but refused to remove the inquiry that comes along with applying for credit. This seems very unfair. Thank you for your time.
Complaint sub-issue: Didn't receive enough information to verify debt

US bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Public record information inaccurate

Back several years ago my credit file got mixed up with someone who has very similar information as mine, they have the same name, and there ssn was a couple numbers different which caused me all kinds of issues. I have made equifax aware of this situation on multiple occasions and they never fix the issues or investigate and show proof of how they got the information. I believe now they get pleasure from seeing what problems these issues have caused me. I need these problems fixed now! See below the issues I'm having. 

I'm worried about a wrong address thats not mine- Please remove XXXX XXXX XXXX XXXX Ky XXXX since this could lead to fraudulent accounts. 

XXXX XXXX- I have 0 accounts and have never had an account go into bankruptcy with them. 

XXXX XXXX- I have no accounts and don't know who they are. 

XXXX I do not have any accounts with this company Target- I do not have any accounts with this company XXXX XXXX??? Equifax allows this company to report information about me even after I've requested information on who these people are, I don't know them and they have never provided me a contract with my name or ssn showing I've ever had an account.

Bankruptcy- I have requested several times that equifax provide me with official court documents with my personal information showing I have a BK, they have never provided me anything but continue listing this information. I have personally called the BK court and have asked several times about how this could happen and they stated information of this nature would never come from them!!! How can I have accounts listed in a BK if no one can provide me with information showing it even belongs to me???
Complaint sub-issue: Reporting company used your report improperly

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

1

5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information is not mine

Disputed the account with Equifax as they are reporting an account I have no knowledge of. They updated the account as " verified and belong to me ''. I sent a request that they provide verification of documents that were used to determine the account was verified and belonging to me, Equifax has responded : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX IN XXXX Phone : XXXX. However, I have requested validation of the debt from the collection agency as well who has ignored me and has responded once or even placed the account in dispute. As of date the account is being reported monthly and has failed to be updated as being disputed or removed from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Prior to XX/XX/2020 I requested an investigation into inaccurate, invalidated, unverifiable, and questionable items on my credit report. On XX/XX/2020 I made a complaint with the CFPB to help get an investigation. I am a victim of the Equifax Data Breach and would like to get my credit report back in order as soon as possible.
Complaint sub-issue: Public record information inaccurate

I XXXX XXXX was told by Equifax that XXXX is reporting to them a Bankruptcy shown on my public file, well XXXX told me they show no bankruptcy on my file, well on XX/XX/22 Equifax claim to have contacted XXXX on or around XX/XX/22 and that XXXX verified to Equifax this bankruptcy on my file on or around XX/XX/22.
Complaint sub-issue: Public record information inaccurate

Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, Equifax, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As ofXX/XX/XXXX, the inaccurate information is still reporting on my Equifax, XXXX, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Equifax to correct the error. XXXX does not match public record data to consumer credit files for Equifax. Equifax performs this matching themselves. 


Equifax, XXXX, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, Equifax, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
Complaint sub-issue: Account status incorrect

Account show in credit report as open even its close, I attach screenshot from my XXXX  credit report show its close
Complaint sub-issue: Investigation took more than 30 days

Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my Discover Card by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against Discover. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did Discover. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.
Complaint sub-issue: Was not notified of investigation status or results

The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.
Complaint sub-issue: Investigation took more than 30 days

Equifax has failed to properly investigate several accounts on my consumer report. They are willfully and carelessly furnishing inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. I have sent in several correspondence directly to them via the USPS certified mail, all of which they have ignored. The document attached below is the most recent letter I sent them. All my previous letter before the one attached below were ignored in direct violation of the Fair Credit Reporting Act 15 USC 1681i. It has been over sixty-five days since they received those letters and took no action. Unless Equifax takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.
Complaint sub-issue: Reporting company used your report improperly

XXXX & XXXX ( XXXX ) U S DEPT OF EDXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6O2 that states I have the right to privacy 15 USC 1681 section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666B a creditor may not treat a payment on a auto loan account under open and consumer credit plan as late for any purpose
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter to LexisNexis disputing the accuracy of the reporting of a public record. Instead of responding with a result of their investigation, they simply sent a letter talking about an investigation with XXXX, XXXX and XXXX. They are ignoring my demand for an investigation of the facts and reporting of this public record.
Complaint sub-issue: Trouble with how payments are handled

Since XXXX 2016 my loan servicer, Great Lakes, is delaying the acknowledgment of my loan payment by 3 - 5 days causing the addition of more interest to accrue on the account. I called in XX/XX/XXXX and XX/XX/XXXX to address the issue noting that for the last 5+ years prior payments we acknowledged the next day, to no resolution.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}
Complaint sub-issue: Reporting company used your report improperly

The company discover added items on my report that I never gave written consent or authorization to be placed on my report. Which is a violation of my consumer rights under 16 U.S.C 1681b ( 2 ). Im having that same issue with Discover and XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts listed : XXXX XXXXXXXX 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, 15 U.S.C 1681 A. section 602 states I have the right to privacy.

15 U.S.C 1681 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consume reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I have a loan with ally bank I had not received any statements for well over XXXX months so I entered a formal billing dispute and withheld payment following ucc and cfr laws I also notified a them and they say they never received my correspondence nor the remittance coupon for the remainder amount of XXXX. They didn't respond to either so following the law I had also notified them per ucc the no adverse action could be taken until the issue was resolved and since the check wasn't returned I waited in good faith believing they had accepted the check for value being that it wasn't returned nor was any notification sent to me about repossession. They did take the car and now say it's my fault. So so far I have filed a police report. And would like my property returned because the did receive my certified letter and were given the allotted time. But as far as I'm concerned I still have no resolution for my billing dispute and I followed the law. Yet they are in dishonor and the alloted time expired so according to law the balance should go to XXXX. But they say the laws don't pertain to them and went ahead with adverse action of repossession. And I would like my property back. I sent certified mail to ally with the formal billing dispute on XX/XX/2022 they received that and the XX/XX/XXXX and XXXX. And I claimed the remit coupon and was made out for the balance remaining. And received nothing and so as the law states I believed in good faith they accepted it since it wasn't returned or no statement to the contrary
Complaint sub-issue: Old information reappears or never goes away

There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Account information incorrect

Discovercard continues to report the initial delinquent date incorrectly with the credit bureaus With regards to the Discovercard account on my credit file. 

This is their data here attached that clearly shows the initial delinquency is XX/XX/2017 per their own records. 

If not fixed immediately I am hiring attorneys to Sue all involved.
Complaint sub-issue: Account status incorrect

I have been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix it.
Complaint sub-issue: Account status

EQUIFAX fails to remove the XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$8500.00}. EQUIFAX reports incorrectly that this account is past due {$8500.00}. EQUIFAX reports incorrectly this account Credit Limit is {$7000.00}. EQUIFAX reports incorrectly that the account is over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the date of first delinquency from the other CRS 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.