Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Deposits and withdrawals

I opened a savings account at Citibank after receiving an offer. I have made 4 deposits via electronic transfer. Citibank flagged one as fraud from XX/XX/22. Citibank did not contact me via letter, phone or e-mail. I found out that a block had been put on my account, and Citibank refuses any request for the funds or even offering a solution. I have sent correspondence as well as have told over 15 representatives that there has been no fraud. I sent my bank account statement showing the movement to the Citibank account. Citibank has informed me that I may receive a letter and then it might take 30 to 60 days for the account to be closed and for me to receive the proceeds. I shpuld be able to access my funds now. Please help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On Saturday, XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX, Florida, to test drive a new car. I found a car I liked and negotiated with the saleswoman, XXXX XXXX, but we never reached an agreeable price. I specifically asked her if the credit inquiry she needed would appear as a hard inquiry on my credit report, because at that time I was not applying for any type of financing as we had not agreed on the sales price. She specifically told me that the inquiries are soft inquiries. However, I noticed today that not one, but two, hard inquiries are appearing on my Equifax report. I tried to contact Equifax online and by phone but was unsuccessful.
I would like these two hard inquires-one from " XXXX  '' and one from XXXX XXXX XXXX, XXXX datedXX/XX/XXXX, to be removed from my credit report as soon as possible, as I am currently trying to finance a new ( or used ) car.
Thank you for your time.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the XXXX Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, XXXX ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
Complaint sub-issue: Card opened as result of identity theft or fraud

To whom it may concern, I am writing to dispute a fraudulent item listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that an account from Discover Financial Services had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having this fraudulent item on my credit report. 

This discrepancy is impeding our progress of fulfilling our dreams to buy our first home. 
After reviewing the account, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following item be removed from my credit history to correct the information as the fraudulent charge was not made in good will nor with my authorization and knowledge. The fraudulent item can be found below : Item 1 Account Name DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$2800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$83.00} Credit Limit {$5500.00} Highest Balance {$2900.00} Terms NA Please investigate this matter and remove the disputed item as soon as possible.
Complaint sub-issue: Information belongs to someone else

I Recently received a copy of my credit Report After Reviewing it I found that there is an Inaccurate Account that i Did not Authorize. This Account is Fraud and i want this fraud Account Removed from my Credit Thank you
Complaint sub-issue: Reporting company used your report improperly

Equifax hack put my credit and social security number at risk. The solutions offered such as one year credit monitoring and 90 day fraud alert seem insufficient. I have little control over my personal information stored by Equifax but face the negative consequences if something occurred.
Complaint sub-issue: Information belongs to someone else

When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

COLLECTIONS {$1500.00} Reported balance Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score. 
CKS PRIME INVESTMENT {$1500.00} Needs attention HIGH IMPACT
Complaint sub-issue: Problem with customer service

Hello, My father ( XXXX XXXX ) had a Parent PLUS loan serviced by AES. My husband and I made regular monthly payments of {$590.00} via ACH toward his loan balance up until the date of his XXXX, on XX/XX/XXXX. 

I contacted AES by XX/XX/XXXX notifying them of my father 's XXXX, and they were in receipt of the XXXX certificate indicating the date of XXXX to be XX/XX/XXXX. I was advised that the loan was forgiven effective on the date of XXXX. I was unable to obtain other information until my Letters of Administration were conformed by the courts, which AES received in XXXX of XXXX. 

My issue, and what has since dragged out for a year past the date of my father 's XXXX, is that the monthly ACH withdrawal hit our account on XX/XX/XXXX ( date of XXXX - a Saturday ) and was removed XX/XX/XXXX ( Monday ). After the significant back and forth over multiple phone calls, I was advised that since the loan was forgiven on XX/XX/XXXX, that my personal payment would be reimbursed. I ironed out the proper protocol to submit a dispute and request reimbursement with a woman named XXXX, mentioned by name and employee number in the letter I sent to AES, and which is attached to this complaint. 

As I had not heard anything since my letter was mailed XX/XX/XXXX, I called AES to request a status update on XX/XX/XXXX. I was told that my complaint and request for refund were rejected on XX/XX/XXXX on the grounds that the payment was made prior to the date the company received the XXXX certificate ( XX/XX/XXXX payment vs XX/XX/XXXX XXXX cert receipt ). As this directly contradicted the information I had previously received, I requested to be transferred up the line to a supervisor that could assist. While I was being bounced around over the 40min call, I was advised I needed to send another dispute letter ( disputing the outcome - at my expense via XXXX ) to the same address I had sent the original letter ; I was also told by an employee XXXX ( # XXXX ) and her supervisor XXXX ( # XXXX ) that the circumstances appeared odd given the date of forgiveness was indeed retroactively forgiven on XX/XX/XXXX, therefore any payments after that date would have been effectively surplus ( paraphrasing ). The conversation ended when XXXX mentioned that all other supervisors were in a meeting and unable to take my call and would call me back by close of business PST yesterday, XX/XX/XXXX. I have yet to receive a return call and am deeply frustrated by being put through this circus for a calendar year. 

My goal is to receive the {$590.00} that I paid toward this loan - that was not in my name nor my responsibility, to begin with. Please assist, as I 've done everything possible and ca n't seem to get straight answers or any real help from anyone whom I 've spoken with about this matter. The emotional and financial toll has been a significant burden, as have the repeated 45+ min calls for which I have to take time off from work. 

Thank you, XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : XXXX  XXXX - Account # XXXX and 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

Credit report specifies that I have or had a mortgage along with a few collections accounts that I have never owned or been a party to. My identification has been stolen. Please help as this is affecting my credit rating.
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. XXXX XXXX XXXX XXXX XXXX, Untitled Account XXXX, Untitled Account XXXX, Untitled 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Other problem

My FICO 8 TU score went UP 2 pts to XXXX this month. Discover is saying they reviewed my account and need to reduce my credit limit from {$1600.00} to {$700.00}. I called in. They ASSURED me it was just a computer glitch. Then, mothers day dinner DECLINED. I called again. Yeah we are reducing your credit line. My account has steadily gone from a {$300.00} card to {$1600.00}. My credit is better than at any time so far. This is blatant credit discrimination. I am an XXXX  veteran, a protected class for discrimination lawsuits. I asked about COVID19 and why they are HURTING AMERICANS. I then told them I needed my credit line back so my kids dont go hungry tonight. While saying they dont want anyone to go hungry, they refused to undo their discrimination. I have never missed a payment. I have improved my credit. This is blatant risk exposure reduction at the expense of consumers. They are all doing this. HELP, CFPB!! HELP
Complaint sub-issue: Trouble with how payments are handled

I have been paying on loan since XX/XX/XXXX and principal has not decreased by much, numbers do n't add up. Private XXXX loan acquired by AES XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00}
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. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS.
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP
Complaint sub-issue: Deposits and withdrawals

On or about XX/XX/XXXX, I opened a new Citi Priority checking account online with Citibank under a new account opening promotion that will give the new account holder cash back ( either {$300.00}, {$700.00}, or {$1500.00} ). My initial deposit was {$52000.00} on XXXX XXXX, XXXX, to make sure I met the requirements to earn the {$700.00} cash back. As part of my normal banking operations, I will, at least on a monthly occasion, attempt to deposit checks through the mobile app feature - Mobile Check Deposit ( " MCD '' ). This feature was advertised as being available under the Citi Priority checking account benefits at the time of account opening and continues to be advertised as such. The checks I usually deposit via MCD range between {$200.00} - {$400.00} dollars each. On XXXX XXXX, XXXX, I was able to deposit a {$200.00} check via MCD. On XXXX XXXX, XXXX, I deposited a {$59.00} check via MCD. However, on or about XX/XX/XXXX, I was unable to deposit a {$300.00} check via MCD and was forced to deposit it at the local branch via drive thru. Likewise, on or about XX/XX/XXXX, I attempted to deposit a {$200.00} check via MCD and was again denied. I was also forced to deposit the check at the branch. On these last two MCD deposit attempts via the app, I was notified of the following error message after the deposits were denied : " Hmmm ... looks like we're having some technical issues right now. Please try again later. - MFA_DENY '' After several calls with customer service, the fraud department, and the local branch 's customer service agent, I was notified that some customers who opened a new account online will not be able to continue to use the MCD feature. I was never previously notified of this change. Moreover, the feature is still available in my Citibank app and the message I receive when attempting to deposit a check via MCD is that there are technical difficulties and to try again later, not that the service is no longer available. 

Therefore, I would like a clear and precise explanation as to why this feature was removed and for the feature to be restored.
Complaint sub-issue: Account status incorrect

I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am questioning the capacity of the bureau in doing their investigation about this matter. Below are the inaccurate accounts that still reporting in my credit 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 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