Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your 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, correct ] 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. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Problem accessing account

Citibank dispute department supervisor was very rude disrespectful and uncompromising. I explain to her that Ive been waiting patiently into diligently for them to conclude my investigation due to some fraudulent charges that transpired on my account. The following charges took place with the first XXXX Taken XXXX  XXXX XXXX at XXXX for {$130.00} And the second one is XX/XX/2022 for {$240.00}. 
When I told the supervisor that I feel like they are prolonging their investigation and not taking care of it efficiently, and that I was going to be making a complaint with you all she blatantly told me that she didnt care I can tell who I want to tell and discontinue the call. I found this to be so unprofessional on her behalf and theres no way I should have to undergo this type of treatment when I am the customer and I put my trust in them to handle my finances in the most efficient way, but safe and secure. Clearly none of what I expected from this financial institution have came to pass. I demand a remedy take place in all of this come to pass rather sooner than later, because I am in the situation where I am facing XXXX, due to me, being a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Didn't receive enough information to verify debt

This is a follow up complaint against Equifax, for they have failed to provide accurate information that is in accordance with federal law, FCRA, and congress. The complaint number that I am following up on is XXXX. In the response that Equifax has provided they had stated the following : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' This is not accordance with federal law or the FCRA because if any consumer reporting agency such as Equifax, prepares an investigative consumer report such as Equifax has admitted to doing so. Congress, federal law, and the FCRA states in 15 USC 1681L that " no adverse information in the consumer report may be included in a subsequent consumer report. '' Equifax has in fact furnished an investigative consumer report while also furnishing adverse information. Therefore any and all adverse information needs to be removed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A transportation broker charged my credit card {$1200.00} when I tried to terminate their services because they were unable to locate a driver. Our contract indicated they were authorized to charge {$100.00} in the event they procured a driver to transport my automobile. On the same date that they charged my credit card, I contacted Citibank and indicated that they were not authorized to charge my card that amount. At that same time, I was never told that I needed to go through " Billing dispute '' versus the fraud department. 
Citibank stopped the payment and requested additional information from the vendor. Both the vendor and I submitted the contract which specifically stated that a {$100.00} charge would be payable by credit card and the balance would be due in CASH and paid directly to the driver. Even having the contract from both parties, Citibank still reversed the payment and has paid the company {$1200.00}. The company never procured a driver so they were not due anything, however, if I were to be liable for anything based on the contract the most that should have been processed on my credit card was the {$100.00} as stated in the contract. Citibank is now saying that they investigated fraud and if I had a dispute with the amount the information should have gone to their billing dispute department. I don't understand why they did not send it to billing dispute upon receipt of all documents. Now, I can not get anyone in billing disputes to handle because the " fraud '' department has the file locked. I don't know what any of this means, but Citibank has become as negligent as the vendor. I have called Citibank 11 times and submitted all documents and they still have not created a billing dispute nor helped me in any way. In the interim, this charge is now on my credit card and payment is expected or it will mess up my credit. Finally if anyone at Citibank took the time to read all of the documents, it would have been clear without doubt that this vendor was not due more than a {$100.00} feed and they allowed this vendor to steal {$1100.00} so they should be liable.
Complaint sub-issue: Was not notified of investigation status or results

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to lexisnexis on XX/XX/XXXX to inform them that I had an investigation in process with XXXX disputing a chapter XXXX bankruptcy dismissal and the results came back verified through Lexisnexis. Informing Lexisnexis of the investigation and the out come ending in a verified accurate status they stated that they would contact XXXX to remove and delete the bankruptcy because it was deleted in their records. I spoke with Lexisnexis rep on phone explaining that XXXX claimed they completed an investigation also they claimed Lexisnexis was the furnisher of informatiom who verified the data. Prior towards XXXX starting their investigation I received a letter on XX/XX/XXXX stating the bankruptcy in your records was removed. How was XXXX able to verify this information after it was deleted in Lexisnexis data 4 months prior of XXXX  starting their investigation on XX/XX/XXXX while claiming the investigation was completed and verified by Lexisnexis by on XX/XX/XXXX. I would like to know if XXXX contacted Lexisnexis and did their due diligence to confirm the accuracy or did they just recklessly violate my rights without an investigation. On XX/XX/XXXX I also spoke to XXXX rep explaining that I just got off the phone with Lexisnexis stating they would contact XXXX to remove and delete the bankruptcy. On XX/XX/XXXX I spoke with XXXX rep and during our call he stated if Lexisnexis confirms it's not in their records they would remove and delete it. I am Holding Lexisnexis accountable to contacting XXXX to verify the chapter XXXX bankruptcy was deleted from their reports and confirming they are not the furnishers of the bankruptcy data.
Complaint sub-issue: Their investigation did not fix an error on your report

EOUIFAX is reporting inaccuracy on my credit reporting from XXXX third-party vendor for public record.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello In XX/XX/XXXX I was involved in hurricane Michael and lost my home and my job for about a month or a little longer. I contacted XXXX XXXX  and they allowed me to make payments when I could and said due to my circumstances it wouldnt affect my credit. I was in contact with them for months. Well in XX/XX/XXXX XXXX XXXXl was bought out by XXXX XXXX XXXX XXXX. I wasnt notified well let me clear that up I want aware due to still not having a home so I didnt get any mail. Fast forward when I found out in XX/XX/XXXX due to me checking my credit card I saw I had received a late payment remark. I called around and ended up getting in contact with someone at XXXX XXXX. They told me to make a payment to get things cleared up after I told them my situation and the agreement I had with XXXX. I called XXXX XXXX again in XX/XX/XXXX since I was due for a deferment and I was told again it wouldnt affect my credit. I made a payment in XX/XX/XXXX. XXXX XXXX made another mistake by hitting me with XXXX  30 day late payments on XX/XX/XXXX and XX/XX/XXXX. I have contacted them several Times to fix this and they have refused. I finally decided to send a letter To the credit bureaus on XXXX. XXXX to verify my late payments that were put on my credit report falsely. Equifax out of all 3 bureaus are they only ones who have responded since XX/XX/XXXX. They did not send me anything that they verified the late payments Were made. They only sent a letter back saying yes we verified. I have never denied that the XXXX XXXX account wasnt mine. I sent two certified letters asking them to verify and check and remove the late payments of XXXX XXXX failed to send over proof that all of the missed payments were made. Equifax has failed to provide proof of my rights. XXXX  and XXXX  has not even responded to my letters that I sent in XXXX and in XXXX by certified mail. Im asking my late payments to be removed if XXXX XXXX XXXX  fails to yet again provide the proof that all of the XXXX late payments are accurate. This has really affected my life and giving me a chance to give my kids a place to live. Thank you for your time.
Complaint sub-issue: Public record information inaccurate

Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/2020 : done Public Records Public records include bankruptcy filings, court records, tax liens and monetary judgments. They remain for 7 -10 years.

No Records Found.

Account History Accounts " paid as agreed '' can remain on a report for 10 years from last activity. Negatives should be removed after 7 years or 10 years for bankruptcies. 

Account Name XXXX XXXX XXXXXXXX Account # : XXXX* High Balance : {$970.00}
Complaint sub-issue: Trouble with how payments are being handled

Paid student loan payment XX/XX/2020. Requested a refund per the CARES Act. Fedloan Servicing saying it will take 60-90 days. This is unacceptable practice. See below correspondence. 

Thank you for contacting FedLoan Servicing! 

A request was submitted to refund your payment received XX/XX/2020 in the amount of {$840.00}. Please allow 60 to 90 days for the payment to be received. 

Please use the " Contact Us '' link through your online account at MyFedLoan.org to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through
Complaint sub-issue: Their investigation did not fix an error on your report

There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX  XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXXt for overpayment from my bank account. Yet the alleged student loan servicerXXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicer-XXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX  Equifax and XXXX XXXX reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an 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 the 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: Fraudulent loan

THIS IS MY SECOND COMPLAINT FILED! I have never heard of this school and they are trying to make me pay for a loan that I didn't sign up for. I have never attended any of these classes. please show proof or remove from my report
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX 2016/credit report. XXXX and XX/XX/2021 Collections and Harassment have company MRS on it, but shows on the credit report as XXXX funding. Amounts are inconsistent across the board, Balance, as well as high credit. In addition to the settlement, request is higher than the amount being reported. I requested the information for the GAP coverage and requested proof of the debt, as well and they only continued to produce their collection letters and a turn in settlement invoice. Here are all the amounts that are inconsistent {$15000.00} {$9400.00} {$16000.00}. 
Including correspondence to and from them as well as how it shows on my credit report. I am also sending you proof that XXXX removed this from my report already.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX , I am disputing this eviction because it is wrongfully placed on my credit.   I have been staying in the home with my father for some months, and we have the same name ( I am a  XXXX   ). F or some reason there was an eviction placed on my credit report and I have no legal ties to the home.
Complaint sub-issue: Information belongs to someone else

Called XXXX to remove Fraud accounts. Was given a extreme hard time over the phone. XXXX  has been informed since XX/XX/2015 with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

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

I have a loan with XXXX XXXX, BESTBUY/CBNA, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, BESTBUY/CBNA, and XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Personal information incorrect

I know at least one credit reporting service, Equifax has an improper previous address for my personal information.I contacted them maybe a year ago and asked for it to be corrected. It had created a problem at the Social Security log in page.I answered a question correctly but got locked out from site because of the error. The problem is my address box number has always been XXXX but somewhere it was inputted as XXXX which makes it appear that I lived in a previous location.
Complaint sub-issue: Problem accessing account

I opened an IRA account in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which was located in XXXX XXXX, FL. According to my research, XXXX XXXX merged into XXXX XXXX Bank in XX/XX/XXXX, which later merged into or was acquired by PNC Bank National Association in XX/XX/XXXX. While reviewing some old tax records this weekend, I found an IRA Account Statement from XXXX XXXX dated XX/XX/XXXX. At that time the balance in the account was {$28000.00}. I have no other more recent records and never received a distribution from this account. PNC says it has no record of the subject account or my name as an account holder. I have talked to PNC, the Florida Dept of Financial Services ( escheat dept ), the FDIC and the OCC. My husband and I have lived on social security for over 20 years and are in poor health. Recovery of the lost IRA funds would be a XXXX sent blessing to us. Someone some where has to have record of what happened to this account, including while located at XXXX XXXX, as well as after it was acquired by XXXX XXXX and again when it was acquired by PNC. Where are my IRA funds now? I am praying that CFPB can help us.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXGET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS