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

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Their investigation did not fix an error on your report

As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real.
Complaint sub-issue: Debt was result of identity theft

commerce bank credit card, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know XXXX XXXX  XXXX   XXXX have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account * 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Didn't receive advertised or promotional terms

I was a Citi Double Cash cardholder in good standing for several years, and received a promotional offer in the mail in XXXX of 2019 advertising a {$400.00} bonus and and a 0.5 % increase in my cash back bonus ( which was already 2 % as standard ) if I opened a Citi checking account, deposited {$15000.00} within 30 days, and maintained that balance for 60 days after account opening. I did deposit {$15000.00} within 30 days, and I have maintained it to this day. 

When the 60 days passed, I contacted Citi 's credit card and customer service branches trying to figure out why my bonus had not posted and why the cash back percentage was still 2 %. The credit division claimed it was a banking problem. The banking division claimed it was a credit card problem. Finally, after hours on hold, online, and on the phone, someone said the credit card bonus was active, but the website just didn't show it. I had given up the bonus as a loss to a scam until I read on XXXX that it is normal to have to file a CFPB complaint to get Citi to pay out their bonuses ( XXXX : XXXX Citi CFPB ). 

My checking account is still active, as is my double cash card.
Complaint sub-issue: Was not notified of investigation status or results

I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( XXXX, XXXX & Equifax ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX  Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Complaint sub-issue: Account information incorrect

The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and Equifax on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, Equifax, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Complaint sub-issue: Problem with customer service

After paying on my loans for 12 years, with a couple forbearances, I summited an Application for Public Service Loan Forgiveness. I was employed with the XXXX XXXX XXXX on XX/XX/XXXX. My loans were then transferred from XXXX XXXX to Fed Loan.

Apparently my employer put XXXX as my start date rather than XXXX and sent my signature page as a separate scan. Fed Loan then stated the form wasn't signed and the top was cut off when faxed. I had another form sent and faxed my copy as well.

Fed Loan then stated they wouldn't count most of my payments because of the date discrepancy. They wouldn't even count all payments since XXXX. This was soon corrected by having my employer send yet another form to Fed Loan.

Fed Loan then stated they couldn't count the payments since XXXX because there was a prior discrepancy two forms ago and they needed to speak with my employer. They stated a call was placed but the payroll office ( during COVID ) didn't answer.

After I checked my account I again contacted Fed Loan and they stated the employer needed to call with my account number. I asked if they could call because my employer may not wait on hold for my student loans. I was told a call could be placed some time in the next two weeks. I asked for a date/time so I could tell payroll when to expect a call and was then told my employer would need to call.

I called out the obvious. How would Fed Loan know it was my employer? Anyone could call and give my account number and state they are the payroll person who signed the form. I was then told it was

" an honor system ''. Of course, if it was an honor system ( which it shouldn't be ) they would accept the second or third CORRECTED forms. Anyone can make a clerical mistake. It seems with all these hours of communication and repeatedly asking of my employer ( a government entity ) to repeatedly try to help with my loan forgiveness, Fed Loan is trying hard to not approve my loan forgiveness. This process is ridiculous and I don't understand why Fed Loan can not communicate ALL needs in the beginning. If Fed Loan wasn't going to accept the first form and needed to receive verbal confirmation from my employer, why not state that 5 calls and 4 months ago? Now I continue to wait and hope my employer has enough time to wait on hold to call Fed Loan.
Complaint sub-issue: Didn't receive notice of right to dispute

A derogatory medical debt was reported to my credit bureaus. I never received a letter from this company, therefore, I didn't receive the notification to collect a debt or my right to dispute the debt within 30 days. I pulled my XXXX  report and the following was on there : IC System Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX Updated XX/XX/18 Says I owe {$95.00} I tried to login to their website to get more information and it says I need a reference # from the letter they sent me. However, I don't have one as I never received a letter from them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax have been violating my rights for 120 days now by reporting these accounts to my Credit reports : XXXX XXXX XXXX  SS Account # XXXX, XXXX XXXXXXXX XXXX SS Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX. 
I Have attached my credit report to show you that the credit bureaus aren't following guidelines to report this account to my credit reports. And I know they aren't doing this because they have updated these accounts as verified over 4 times with XXXX and Equifax after the furnisher deleted the accounts on with transunion. XXXX and Equifax are reporting thisfraudulentaccount unfairly and is affecting my life very negatively because I can not get a vehicle in my name and I have been homeless for two months now. I have lost countless jobs due to inconsistent transportation. XXXX and Equifax are violating my FCRA rights by keeping these accounts posted on my credit reports. The law states in 15 US code 1681 Section 2 ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 US Code 611 ( a ) 15 USC S 1681i demands a proper investigation of my dispute request and the bureaus have yet to do a proper investigation that doesn't involve XXXX XXXX or any automatic processes. 
I know this because My previousdisputes totransunionregarding these accounts has resulted in deletions because they successfully complied and didn't violate my rights. 
Attached is my credit report, I have highlighted the accounts along with every violation that they have committed. I Have sent all of the letters attached to the credit bureaus on each date that is on each letter, it shows that the credit bureau are not following they're own laws that they must abide by. Thank you. 


Regards,
Complaint sub-issue: Debt is not yours

I received a letter informing me that I have a XXXX debt totaling {$290.00}. 
This is impossible for 3 reasons. 
1 ) My husband and I share a XXXX account and his name is primary. 
2 ) That account is connected to a credit card. There is never any debt in that account, because purchases automatically are paid by that card. 
3 ) The debts in XXXX would be named for the companies that provided goods or services THROUGH XXXX. 
Also, they used a nickname, not my full name. 

From Jefferson Capital, Ref # XXXX www.MyJCAP.com XXXX XXXX XXXX XXXX. XXXX XXXX  MN XXXX Mail payments to : Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX Return mail address : XXXX XXXX XXXX XXXX, NC XXXX XXXX whole addresses!
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$470.00} XXXX {$0.00} CXXXX XXXXXXXX {$470.00} XXXX XXXX {$57.00} XXXX XXXXXXXX {$3900.00} XXXX XXXX {$1300.00}
Complaint sub-issue: Public record information inaccurate

I reached out to Equifax to see where they received information regarding a Bankruptcy for XXXX XXXX XXXX. I sent a letter to Equifax from the Clerk, U.S Bankruptcy Court showing I did not have a Bankruptcy on my account. Equifax did not send or show how they obtained this information.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX   XXXX XXXX  Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX  Original creditor  XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes
Complaint sub-issue: Frequent or repeated calls

This number constant calls me several times a day and when I pick up there is never anyone on the line and it disconnects.
Complaint sub-issue: Information belongs to someone else

After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I placed an order from Macy 's online for a bottle of men 's colone in the amount of {$100.00}. When the package arrived I could see that it had been damaged. Upon opening the package I discovered that the bottle was damaged and the liquid had escaped. The broken bottle was empty. I immediately filed a dispute with Macy 's online. As of this date Macy 's has not responded to my dispute. It has been well over 30 days and they have not responded to my dispute nor given me a credit.
Complaint sub-issue: Information is not mine

I have disputed an account on my credit report several times. The account does not belong to me. I have contacted the creditor and the credit reporting agency. Neither has resolved the issue.
Complaint sub-issue: Deposits and withdrawals

My account was hacked by someone. The person cloned my ATM card and used it to withdraw {$400.00}. I reported it and Citibank gave me the money conditionally and did and investigation. They never looked at the ATM video but decided twice that they did n't believe it was fraud. I was 30 miles away at time but even while I provided a work time sheet stating that was in XXXX XXXX at the time the transaction was being made, they still did not believe me. They have taken my money but admitted that they did n't look at the ATM video, I even filed a police report and faxed it to Citibank. 

I had to file a third dispute and they have still left my account negative.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX all ftc violations will be attached
Complaint sub-issue: Was not notified of investigation status or results

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things to my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Complaint sub-issue: Account information incorrect

On my Equifax credit report, an account with XXXX XXXX appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 - when the XXXX account switched to XXXX XXXX and has now switched back again to XXXX. XXXX and XXXX BOTH report this information accurately, but Equifax does not. I filed a dispute with Equifax, who has not been helpful. I contacted XXXX  and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with Equifax. I want my Equifax report to look the SAME as XXXX and XXXX, which both have the correct information. Neither Equifax nor XXXX will take responsibility for this error!
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. nothing happened, they stated was verified but could not send me any information on who verified or anything. 

I have sent 3 letters, the last has been attached