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

NO RESPONSE OR COMPLIANCE FROM EQUIFAX LLC, OR XXXX SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. ( They should delete these items from my credit report. ) I filed a dispute with EQUIFAX LLC, and XXXX on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on Equifax LLC & XXXX listed below : 1. XXXX XXXX  XXXX Unverified Account 2. XXXX XXXXXXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : Us Sm Bus Admin Oda - Inquiry Date : XXXX XXXX. Creditor : XXXX XXXX XXXX  - XXXX XXXX : XXXX. 

Name of Equifax negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XXXX - 3. Creditor : XXXX XXXX XXXX - Inquiry Date : XXXX. 

I advised Equifax LLC and XXXX  that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised Equifax LLC and XXXX  that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information is not mine

U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXXEquifaxXXXXXXXX, GA XXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

XXXX XXXX from MAC says my name has been brought up in a legal case and if I dont pay I will be in jail within 48 hours. The name he is using is my madden name I have not had for 8 years! 

This person is calling lots of family that I associate with!
Complaint sub-issue: Billing dispute for services

Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter as to all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been over 45 days and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. My personal and private information was impacted by the Equifax date breach this could be the reason for these inaccurate things to be on my credit report. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. Thank you
Complaint sub-issue: Other problem getting your report or credit score

I am requesting my annual free credit report from Equifax because of updates and am a victim of scams, fraud and id theft.
Complaint sub-issue: Debt was paid

DISCOVER BANK WAS XXXX AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE
Complaint sub-issue: Funds not handled or disbursed as instructed

I, XXXX XXXX, have owned XXXX XXXX  accounts with {$10000.00} each one at Discover Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) for many years. Money was withdrawn from accounts ending in XXXX, XXXX and XXXX without my consent. After weeks of calling different departments, and sending them a Declaration of Loss, the money was restored to my accounts. 
Due to the fact that money was withdrawn from my accounts without my consent, not sent to me, as they claim, and I do not consider it safe at that bank anymore, I requested for them to close my accounts and send me either 7 checks for {$10000.00} or one for {$70000.00}. They say that because the money is in XXXX, I have to pay the penalty. 
Even when the penalty after the interest, is low, I do not think I should pay more than what the interest is at this time, or not interest at all. 
Please, help me solve the problem. I do not think I have to pay for somebody misbehavior, since I do not consider it an error. 
Thanks ahead of time for your attention. 
XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

This account was added to my credit report and removed several times without my knowledge.I was not acknowledged this collections account was being put on my report after Ive disputed several times and this should be grounds for permanent removal.
Complaint sub-issue: Account information incorrect

I wrote letter to Equifax asking them to remove accounts that I felt that they were reporting inaccurately. According to 609 of the Fair Credit Reporting Act in order for a credit bureau to place something on you credit file, by law they must have original documents to verify before placing them on your account. So they have not furnished any documentation they just sent a letter stating that the reporting was verified and accurate.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX added a negative account to my credit report. The date they state this account was opened with them was XX/XX/XXXX. I believe this to be for a XXXX debt that was already once removed from my credit report. Loan Type Debt Buyer Account. I am in the process of rebuilding my credit, this has negatively impacted my score which was on a slow climb towards mortgage ready. The date of first Delinquency is listed as XX/XX/XXXX before my account was open with them. The information they have posted on my credit report is inconsistent. They have made no attempt to contact me by mail. They are a predatory collector dredging up things past removed to add them to a credit report again.
Complaint sub-issue: Information is not mine

I do n't know whose account this is so please remove this from all XXXX reports # XXXX
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/2022 I sent letter to the 3 credit reporting companies XXXX Equifax and XXXX, asking them to do a Theral review of my credit report, they did but i did research and found improper even after their Theral research. the account # XXXX XXXX XXXX XXXX does not belong to me and several companies XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all pulled my credit report without my written okay to them. In accordance with the fair credit reporting act XXXX account # XXXX have violated my rights 15.u.sc6181 section 602a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions, i have done none of that i had no knowledge. i have been frauded not only by the person whose been using my identity and by the credit reporting bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX 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 XXXX, Equifax, and XXXX are 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 item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX 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
Complaint sub-issue: Account information incorrect

In accordance with the fair credit reporting act : XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem making or receiving payments

XX/XX/XXXX2019 Problem : Failure of access Citi Bank Thank You reward points XXXX XXXX  Checking account is linked to Citi Bank Thank You REWARD points with Ciit Bank.

When transferred to XXXX XXXX I am verified with my checking account number, last 4 digits of social security number. XXXX struggles each time I contact Ciit to redeem points then transferred to XXXX and FAILURE to allow me access to my reward points. XXXX XXXX   can not access my account by by Name nor checking account number even though automated system can!

XXXX   demands my Member ID number which is NOT on my checking ccount statement, XXXX tells me it ; 's on a credit card statement but I do not have a XXXX  Credit card.

XXXX is equal to {$550.00}. XXXX of CASH!

CITI BANK is denying me {$550.00} which I trying to sue for travel purposes.
Complaint sub-issue: Public record information inaccurate

i am locked out of all reports they HAVE THE WRONG INFO and i can not get into my file i have sent in this request in the past and nothing they say one thing there do another
Complaint sub-issue: Problem with personal statement of dispute

Equifax and XXXX refuse to delete unproven accounts from my credit report. I have filed disputes with both agencies and within 5 days they label the information as correct, without opening a formal investigation. I have no trouble with XXXX. They actually reach out to the lenders and ask for information in regards to the information that they are reporting. These accounts have been removed from XXXX credit file and not deleted with Equifax or XXXX : XXXX : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

XXXX XXXX : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

Please help me to remove this information from my credit report with Equifax and XXXX. I have filed multiple disputes with each of them in regard to the accounts and they have not done any investigation.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX analyst Full report, and a full copy of my MIB report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.
Complaint sub-issue: Frequent or repeated calls

Discover cards debit collectors call me 5 times a day every day.
Complaint sub-issue: Reporting company used your report improperly

in 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 instructi
ons
Complaint sub-issue: Account status incorrect

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Public record information inaccurate

I obtained my Equifax credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...
Complaint sub-issue: Debt is not yours

I have numerously disputed this XXXX account. It was originally purchased by another collection agency and I wrote that agency telling them to provide me with a signed contract that I purchased this acct and because they were not able to validate or verify this acct it was ultimately removed and deleted from my acct. Now I see that another agency has taken over this debt and are reporting to the bureaus. I Ask again please provide a signed contract with my name or remove from my credit.
Complaint sub-issue: Transaction was not authorized

Starting on XX/XX/XXXX through XX/XX/XXXX there were 18 charges on my Citibank account from XXXX which were unauthorized. Based on my conversation with the Citibank Fraud Dept. I was advised that my XXXX XXXX account had been hacked. 

I was credited the full amount, but then received several letters from Citibank advising that " '' Your claim was researched, however, there was insufficient information to conclude that the above transaction was unauthorized ''. 

These charges were fraudulent and Citibank is refusing to assist in this matter so that I may be credited the almost {$700.00} in fraudulent charges.
Complaint sub-issue: Charged too much interest

On XX/XX/XXXX the bank charged me {$26.00} just because the the monthly payment of {$3000.00} which I made from my other bank was posted onXX/XX/XXXX instead of XX/XX/XXXX.

XX/XX/XXXXbeing XXXX XXXX  and bank holiday caused a minor just 2 day delay. The 2 day interest on about {$3000.00} came to be {$26.00}. I tried to call the bank to explain them the situation but the representative/supervisor wouldn't listen to me and was very rude.

I think this amount of interest just for 2 days is not a fair business practice and not acceptable. It would have been okay if it was for whole month. I was hoping the bank tele-representative would understand that and give me a favorable resolution. He didn't. When I said that I would rather close the account as this is ridiculous, he didn't care.