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

I have disputed this XXXX XXXX  and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2021, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed for a YEAR. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX acct # 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: Overdrafts and overdraft fees

My ex-wife and I opened a KeyBank joint checking account in approx. XXXX. The account apparently had overdraft protection. In XXXX, I was commissioned as an XXXX XXXX XXXX XXXX and my family and I were transferred to XXXX. There were no KeyBank locations in the country ( not surprising ) and, therefore, we changed our bank to one that had a presence on the base. We attempted to close the KeyBank account but were told that we had to do that in person -- which, obviously, we could not do. We stopped using the account and had all of our associated auto payments stopped and transferred to our new account. We did not believe we had any money left in the account and that it was effectively closed. In XX/XX/XXXX, I received a phone call from KeyBank, informing me that they were attempting to collect a debt. I was very confused, because we had not used KeyBank in well over a decade. The representative informed me that I owed the bank approx. {$2500.00}. After MANY phone calls with the bank, I have finally been informed that this balance stems from a $ XXXX-per-month auto payment on two XXXXXXXX XXXX XXXX policies for me and my wife. It appears that there still was enough money in the checking account to cover these premium payments for several years, but once those funds were depleted, the bank began applying overdraft. This went on for YEARS, without the bank ever informing me or my ex-wife. We have been assessed hundreds of dollars in overdraft fees, late fees, interest, etc., and were not informed of any of this activity until the XX/XX/XXXX phone call to " collect a debt. '' In the meantime, KeyBank has reported this debt to the various collection agencies, which has obliterated our credit. In my conversations with the bank, I have expressed my willingness to cover the cost of the insurance premiums, but I have respectfully asked that the bank waive the overdraft fees, late fees, and interest given the extenuating circumstances -- namely, that this issue arose through a combination of my family and I being stationed overseas ( and unable to close the account due to KeyBank 's unreasonable in-person requirement ), the bank continuing to assess all kinds of fees and penalties for YEARS, and the failure to notify me or my wife until the bank attempted to collect a debt of which we were not even aware. To date, KeyBank has been completely uncooperative.
Complaint sub-issue: Information belongs to someone else

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX  HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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: Reporting company used your report improperly

Update my personal info, delete the accounts ' violating the FCRA and delete the unauthorized inquiries
Complaint sub-issue: Account information incorrect

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX How is XXXX XXXX reporting the account type as Open, while XXXX and Equifax is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX XXXX and Equifax are reporting the date last active as XX/XX/2022 and XXXX is reporting it as XX/XX/2022. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Complaint sub-issue: Problem getting report or credit score

All XXXX credit reporting bureaus are forcing people to pay for a monthly service of so-called " credit monitoring '' if you want your score. That is fraud. I ought to be able to just pay once for my score. 
And if you can figure out how to stop letting the XXXX credit reporting bureaus to STOP sending people in circles so we can get our scores -- JUST our scores -- let me know. I have called XXXX, Equifax and XXXX, gone to each website and followed the prompts to get the credit score and they EXTORT PEOPLE into buying a monthly services of " monitoring '' and if you do n't want that and just want the score, they make you pay for the REPORT AND SCORE then send you in circles on phone prompts that end up with an address for the credit report -- not the score. 
Try it yourself. 
Start with this : XXXX/You can hit each link for each credit reporting agency and it ends all the same. They do not want to let you pay once for the score, they want to hit you up with monthly fees. 
I do n't need my report. I have them. 
They also continue to put back inaccurate information that they deleted, but put back after I get off the phone with the person in the security department. 
What are you doing? The people who deal with credit bureaus are truly afraid of them, as this is the only part of this agency that ca n't seem to get anything done to help consumers. 
Also, I ca n't afford to pay {$58.00} for a fico score, which is what I really want. 
That is absurd.
Complaint sub-issue: Information is not mine

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER FOR I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 a line of credit was fraudulently opened in my name by ACIMA CREDIT XXXX XXXX with a current balance of {$1400.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

well i was watching the news and they was talking about Equifax reporting the wrong information for millions of people and that everyone who was impacted by this credit score drop or raise by 25 points so i then went and check my credit score and noticed my score drop by 24 points and I had 8 Inquiries and 1 account that I did not authorized I then called equifax and told them about the inquiries and they told me that they are sorry but the inquiries will stay there for 2 years and that they could not take it off only if i had a FTC report is the only way they can take it off the inquiries are ( 1 ) XXXX XXXX XX/XX/2022 ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX Bank XX/XX/2022 ( 4 ) XXXX XXXX XXXX  XX/XX/2022 ( 5 ) XXXX XX/XX/2022 ( 6 ) XXXX XXXX XX/XX/2022 ( 7 ) XXXX XXXX XX/XX/2022 ( 8 ) XXXX XXXX XXXX XX/XX/2022 and account XXXX XXXX XXXX  XXXX
Complaint sub-issue: Debt is not yours

I received a notice from the ERC debt collection agency on behalf of XXXX XXXX on XX/XX/XXXX via mail. Enclosed was a statement for the amount of {$910.00} from the contract date XX/XX/XXXX, placement date with ERC on XX/XX/XXXX and date of delinquency XX/XX/XXXX. 
I contacted ERC immediately to dispute the claim and came to find out that this was for an address located in California. I have lived in Michigan my whole life and have never lived in California. I contacted my local police department to file a report, but was informed that I need to contact my social security office. I reached out to XXXX XXXX to dispute the claim and in order for XXXX to investigate a claim of Identity Theft, they require an incident report with the Federal Trade Commission.
Complaint sub-issue: Trouble with how payments are being handled

I am currently working for the XXXX XXXX XXXX, and my loans are being serviced by Fedloan Servicing. I am working towards public service loan forgiveness. After receiving a statement regarding my payments, I asked for a detailed account summary. In short, over 3 years of payments are being labeled ineligible for the stated reason of payment not in full. Yet, the summary shows that I did make the exact payment amount and the majority of the time, I was on auto pay. Additionally, they are claiming a missing payment for XX/XX/2014, yet the prior servicer 's records show I made that payment. They now claim, the payments were " outside the window. " A cursory review of the account shows they are lying and prolonging my repayment. Those payments should be labeled as qualifying payments.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, acct. no.XXXX is wrongfully appearing on my XXXX   XXXX AND EQUIFAX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX, acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a US Bank Business Cash credit card in response to a promotion in which I would earn a {$1000.00} cash back bonus if I spent {$10000.00} in the first 120 days. The promotion also stated " your cash rewards will add up fast - especially when you get multiple cards for employees '' I requested 2 cards : one for myself and one for my son who works in the business. I was approved for the cards on XX/XX/XXXX. That meant I had until XX/XX/XXXX ( 120 days ) to spend the required {$10000.00} to be eligible for the {$1000.00} bonus. I spent the following as shown on my first 4 monthly statements : Statement dated XX/XX/XXXX - Net balance {$170.00} Statement dated XX/XX/XXXX - Net balance {$3000.00} Statement dated XX/XX/XXXX - Net balance {$6200.00} Statement dated XX/XX/XXXX - Net balance {$2100.00} The total spent as of XX/XX/XXXX was {$11000.00}, above the required {$10000.00} - On XX/XX/XXXX I called US Bank to inquire about the bonus, they told me to wait a few more weeks. 
- On XX/XX/XXXX I called again and they told me I should see the bonus in the next statement. 
- On XX/XX/XXXX I called again and they said they would do an investigation and would send me a letter in 7 days. 
- Early in XX/XX/XXXX, I received a letter stating I didn't meet the spending requirements. 
- On XX/XX/XXXX I called again and asked the customer agent to look at my first 4 statements showing the total spending was clearly over {$10000.00}. The rude customer service didn't bother to look but simply told me to refer to the letter. I then faxed in my letter explaining that I'd spent over 10,000 and sent them copy of my first 4 statements. 
- On XX/XX/XXXX I called again to check if they had followed up on the documents I sent. They told me I didn't meet the spending requirements that I had only spent about {$6000.00}. They told me the {$10000.00} spending requirements has to be under my specific card, it can not be combined with my son 's card. I told them the promotion did NOT mention this. In fact, the promotion ( I still keep a copy ) even stated and encouraged me to get additional cards by stating " your cash rewards will add up fast - especially when you get multiple cards for employees. '' My son works for me and in many cases, we use our cards interchangeably and I'm responsible for all charges under both cards. US Bank did not say the {$10000.00} spending requirement had to be under my specific card in their promotion. Otherwise, I would have done all the spending under my specific card only as my son and I were often together, I could have used my card instead of his. US Bank now denied my promotion bonus. They cited their rules which they did not disclose earlier in their promotion. They only disclose this rule after I already made the efforts to spend {$10000.00} so they would not have to meet the obligation they promised.
Complaint sub-issue: Information belongs to someone else

1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give Equifax permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


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

Beginning XXXX 2016 until this date I have had an excessive amount of unannounced inquiries and accounts that I am not knowledgable of that continuously keep reporting to my credit report. I started disputing this when it was brought to my attention immediately starting with Equifax. I sent in certified letters, made several phone calls, spoke with supervisors, filed online disputes, and requested a freeze and fraud alert be placed on my credit report.
Complaint sub-issue: Talked to a third party about my debt

yesterday i checked my credit report through XXXX and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : REMEX INC their phone number : XXXX XXXX XXXX their mailing address : XXXX XXXX XXXX XXXX, NJ XXXX -- -- -- -- -- -- -- - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX I didnt authorize them to do this to my credit report, i didnt give them my informations and it didnt use any service from this company before so : 1- I need to know who gived this informations to this agency 2- I need them to delete this incorrect informations from my credit report 3- kindly they have to get this collection account removed from my credit report unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization