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

I've attempted since XXXX of 2019 to remove fraudulent accounts from my report that was contributed to ID theft.I sent block request to all CRA 's XXXX and XXXX complied with the block request, however, Equifax did not. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.
Complaint sub-issue: Account information incorrect

I have asked Equifax, XXXX  & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified.

I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.
Complaint sub-issue: Information is not mine

reported to all XXXX bearu on iteams that are not mines XXXX out of XXXX bearus removed items Equfix has not updated any iformation 3 months no reply or updateds I 'm tryong to buy a home and the iteams that are not mines is still showing on my account lowering my credit score in i need help!
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2019 a transaction was made with my Citibank debit card for the amount of {$200.00} with XXXX XXXX. The food was defective, which caused me food poisoning. I contacted XXXX to complain about my situation ; however, there was no way for me to get in touch with a representative because the the phone call is only automated. I contacted my bank a few days later to dispute this transaction. I provided a statement to my bank. I called a few weeks later to check on the status and they told me that my dispute was cancelled. There was no explanation on why it was cancelled but they suggested that I submit another dispute. I submitted another dispute XX/XX/XXXX. A document was mailed to my home from Citibank with a questionnaire of the same questions I answer over the phone when I provided my statement. Its XX/XX/2019, over a month later and they still have not taken any action on my complaint. Representatives have provided an explanation of me not being the only customer they have and they are still looking into this matter. Ive banked with other banks and Ive never been treated this way and Ive never had a bank take over a month investigate a complaint or deposit funds into my account. Ive been a customer for a while and Ive would have never expected to have a experience like this from a largely known bank.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$480.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 ) *15 U.S.C 1681 section 602 A, states I have a right to privacy. 
*15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters three times for XXXX, Equifax and XXXX to respond verified and updated. You can see from credit report that is incorrect and inaccurate.
Complaint sub-issue: Account status

Equifax continues to report XXXX Bank as an Open Account, thereby distorting my credit utilization. This account was charged off in 2010 and is due to drop off permanently soon. My actual and current credit utilization averages XXXX therefore my credit score should be higher.
Complaint sub-issue: Can't decrease my monthly payments

My daughter and I borrowed money from Sallie Mae to cover tuition for XXXX semesters at the University XXXX. The checks were written to the University and endorsed by my daughter. XXXX of these loans are now being handled by XXXX, which I do n't totally understand. We are trying to consolidate these loans and hopefully negotiate a lower interest rate. There are institutions that are willing to help but claim that if the loans do not show up in the XXXX XXXX XXXX XXXX ( XXXX ) they can not help us. I do not understand how money that was borrowed from the Federal Government and used strictly for tuition is not considered a Federal Student Loan.
Complaint sub-issue: Information belongs to someone else

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached XXXX report. 
Best Regards, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX Bank, XXXX XXXX Bank, XXXX Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong to me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XX/XX/XXXX, I cancelled my XXXX  XXXX acct. and my discover card. XXXX had a XXXX balance and XXXX XXXX billed it again. I have talked to XXXX XXXX  and discover constantly since XXXX. They both continue to bill me and have reduced my credit rating from XXXX to now XXXX and my balance with interest and charges is XXXX. I sent copies to XXXX XXXX by fax to a XXXX and she said that was all she needed. She is now asking for all the bills from XXXX to the present date XX/XX/XXXX again. I appreciated the use of XXXX XXXX when I had no cell phone service. I moved last XXXX to XXXX and have cell phone and internet service now. From the time I cancelled XXXX XXXX and discover, I have not used the discover card at all!!. Discover gives me the run around and so does XXXX XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

XXXXDate opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates
Complaint sub-issue: Information belongs to someone else

Equifax allowed Fraudulent credit accounts to be opened in my name without authorization and these accounts were opened online, only after my wallet was stolen. Not only did the thief 's forward my address but they also hacked my email address and used my information for their own gain. I submitted an FTC Law Enforcement Identity Theft affidavit to Equifax 2 months ago clearly stating the crime. Equifax blocked the fraudulent account 's due to the FCRA 605 ( B ) Law that requires accounts that have been created or established as a result of identity theft be blocked. Equifax later recsidended the block on some of these accounts without providing any documentation. These accounts are still fraudulent and I did not receive any information from these instituions on these accounts and I have attempted to contact them over 6 times now. First of all the two Accounts for XXXX XXXX XXXX XXXX XXXX which include a Line of Credit and an Auto Loan, are Fraudulent. I did not authorize these accounts, these were not signed by me and I never signed any information on these accounts. I do not have access to these accounts and Equifax has been notified as these accounts were listed on my FTC affidavit. Additionally, Without providing any clear explicit information, I did not authorize Equifax to rescend any blocks these accounts are still identity theft and I was never provided with any documentation on these accounts from Equifax no XXXX XXXX. Please follow the FCRA 605 ( B ) Law as I have clearly and precisely described the crime, and provided documentation. In addition the XXXX XXXX Credit Card is also fraudulent which was also listed on the Affidavit. You rescidend the block on this too without providing any information, documentation or even advising me of this.
Complaint sub-issue: Problem during payment process

I made a {$5000.00} credit card payment directly from my Synovus bank account. The payment was not applied, nor is the money in my account. The {$5000.00} just disappeared. I informed the bank and they stated that they were having an issue with the system and assured me that the problem would be fixed. Well, it has been 3 days and the money is still missing. I asked them to reverse the transaction, and they stated that they could not do it. So now I am out of {$5000.00} with no sign of recovering it.
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX i submitted complaint with the CFPB regarding inaccurate information on my credit report, all 3 bureaus investigated and results were deemed verified and accurate information, I'm including a XXXX ( before ) and an XXXX ( After ) credit report that clearly shows that all companies are still reporting inaccurately on my credit report which is causing major damages to my credit score. Ranging from : 1. Different account names 2. Status 3. Opened Date 4. High Balance 5. Balance 6. Count of late payments 7. Date reported 8. Amount past due 9. Condition 10. Creditor contact
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is not a legit company. the phone number is fraudulent. The company / person has made a hard inquiry on my credit report.
Complaint sub-issue: Account status

name is misspelled wrong last name Correct name XXXX XXXX not XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

In XXXX  I started receiving collection letter from citi bank, for a account that it was opened with my identity ( stolen identity ) {$10000.00}, the problem was reported and citi bank has conducted a investigation, how ever they have determined that I'm responsible for this account. since then I have been reporting same issue and citi bank still blaming me about this account, sending collection letter, ruining my credit report and life without any possibility to have a good report to keep running y business. the damage has been huge and has impacted tremendously my life.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX   IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently noticed that I am a victim of identity theft. I have already filed a report with the FTC which includes the accounts and dates opened. Please help me rectify this situation as soon as possible.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Related to Compliant ID - XXXX - Citicard open a closed and opened a dispute with the vendor without authorization. I don't think they can be trusted to handle my money if they can't do simple thing correctly. 

Clearly citi card is still very very confused. 
They closed XXXX for XXXX with the vendor *This dispute should of never been closed vendor has not completed the work until XX/XX/2023 *Not a single phone call was ever made to notify me of closure They opened XXXX for {$8900.00} with the same vendor *This dispute should of never been opened, I never authorized this, the disputed charge was for the {$8000.00} *How do they authorize a dispute on my behalf, i believe that is Illage
Complaint sub-issue: Need information about your loan balance or loan terms

Waiting for close to three months on pslf after formal letter dated XX/XX/XXXXXXXX XXXX indicating all they had to do is verify my one employer. Paid consecutively on time for 16 years- met requirements in 2017 but given incorrect info. XXXX also never verified I could not pay during covid and so continued them. I consolidated under limited waiver now and am clearly eligible and should actually receive a refund but NO time frame is ever given on when they will be forgiven - different things are said - from wait a couple of weeks to it could take months and months. A clear time frame should be given.
Complaint sub-issue: Debt is not yours

After a review of my credit report I noticed a debt that was put on my credit, i contacted the company to let them know its not my debt thats old and they did nothing about removing this debt only said I owe them.
Complaint sub-issue: Information belongs to someone else

Have accounts showing on credit file that I have disputed and disputed and refusal to remove These accounts are not mine I have provided the accounts from current online credit file
Complaint sub-issue: Account information incorrect

I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this
Complaint sub-issue: Public record information inaccurate

The credit agencies are saying that I owe a debt inwhich I do not owe and I have proof from the courts. So by the credit agencies coming back saying verified, I'm requesting the Method Of Verification, who verified what and when.
Complaint sub-issue: Can't close your account

1. I have paid off two Citi cards on XX/XX/2020, one for {$270.00} and the other for {$110.00}. I paid a total of {$380.00} and paid by phone. The lady from Citibank took my money and told me that both cards were closed, apparently neither card was closed. Because Citi Card continues to debit my bank account. I believe Citi cards deceive and discriminate against XXXX cardholders. Because we are XXXX cardholders, Citibank Cards do whatever they like to make false statements to continue debiting our bank accounts, took our money from our bank account. 

2. And also from the last statement I received from Citi Card, I  did not see Macys transition statement from my account that is deception and false and fraud statement.
Complaint sub-issue: Problem during payment process

Im a XXXX veteran and have been FORCED to deal with this company just to get an invoice. 
I NEVER asked to have paperless bills, my first contact with company was to get a bill and pay it. 
Now that CFPB got involved they were forced to actually send me an invoice see attached file and payment has been mailed Friday XX/XX/2022 from XXXX XXXX XXXX. 
Now they are harassing me saying my payment is late! This is out of my hands! Im a XXXX veteran!
Complaint sub-issue: Account information incorrect

Ive written a letter this month with information and I have disputed several accounts in the past. There are several items that are inconsistent across bureaus, chargeoff status reporting balances when they should not, inconsistency with late payments that are inaccurate, a file reporting a past due balance when it is current and a XXXX balance and more. Each credit bureau has been sent detailed letters on what was wrong and what needs to be updated. I want my report updated as written in the letter.
Complaint sub-issue: Their investigation did not fix an error on your report

I am so disappointed how Equifax investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Transaction was not authorized

I documented all the steps I have taken in the attached document that is more detailed than this write-up and the dates. Please review it. 

There were fraudulent ACH debits on my account on XX/XX/XXXX for {$380.00} and {$4400.00}. I was proactive about securing my account by filing a claim and speaking with both the representative and a personal banker at the branch about the best steps to secure my account while the claim is being processed. Both representatives said that I should not close the account while the investigation is pending. However, one representative said that my account should be secure if I withdraw the funds from it and keep the balance low. Both reps claimed they could block ACH debits from my savings account, but not my checking. 

However, fraud continues to build up on my account. There was another unauthorized transaction that I noticed today, XX/XX/XXXX of a transaction on XX/XX/XXXX for {$380.00} that led to my account being overdrawn. I called in again and filed another claim, but I am dissatisfied that money is allowed to be continuously drained. 

I also applied for a {$500.00} promotion that has not posted. Obviously, the fraud and account security is more important, but I would appreciate if that could be expedited since it's probably necessary that I close the account since it's compromised. 

I believe I am being proactive about securing my account but Citibank is not. My checking account should be easily blocked from all future ACH debits. Please ensure this is the case. If this can not be done, I don't understand why we can't just close the account to prevent future fraud.