Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

On XXXX XXXX, XXXX, I sent a letter of dispute to Equifax that involved a public record showing on my credit report as it is showing inaccurate information. On XXXX XXXX XXXX, I recieved a notice from Equifax displaying the results of the dispute. Equifax stated that the information was verified through a consumer reporting agency called XXXX. In XXXX of XXXX, I placed a security freeze on my account with XXXX, as a result, on XXXX XXXX, I contacted XXXX in regards of my information being released to Equifax because I originally initiated a security freeze on my account.I spoke with a represenitive by the name of XXXX XXXX XXXX ) and he explained to me that once a security freeze is placed on the account, no information is released without my authorization. It is my belief that Equifax is engaging in dishonest and deceptive practices by stating that they obtained information when they have not. I dont feel as if a thorough investigation has been done as it only took them about a week to respond.
Complaint sub-issue: Their investigation did not fix an error on your report

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : Attached
Complaint sub-issue: Reporting company used your report improperly

I did not give written consent to my private information on my credit report. My rights pursuant 15 USC 1681b has been violated as a federally protected consumer. See attached document with details of inquiries for removal.
Complaint sub-issue: Public record

Equifax is listing a judgment on my report. I contacted the XXXX XXXX courthouse and they stated the judgment was entered but never actually filed. I 've disputed this listing 3 times and Equifax keeps saying they verified it. XXXX and XXXX both deleted the judgment because they could n't verify it.
Complaint sub-issue: Account information incorrect

I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My XXXX XXXX, according to XXXX, was XXXX out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX  should be using such a company for their credit checks.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXX XXXX XXXX Account # XXXX, Amount {$1200.00}, Opened XX/XX/2017 15 U.S.C. 1681 Section 602 A States that 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: Not given enough info to verify debt

This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally,
Complaint sub-issue: Charged too much interest

I had a balance of {$410.00} on my Macy 's credit card which paid in full and on time last month. However, I just received another bill for {$3.00} for interest this month. I should not be charged for interest when I paid the balance in full. It even says the on the back of my statement. This is the second time they have tried to do this ( see my complaint from 2020 ).
Complaint sub-issue: Problem with personal statement of dispute

Checkr background check Verify My information isn't correct at all, and this lead to I can not work for any transportation services, I request from Checkr company to investigate and remove this error from my driving history record, but Checkr background does not fix this problem till now
Complaint sub-issue: Seized or attempted to seize your property

The Money Source did not provide complete responses with documentation requested in my debt validation, QWR and accounting request. XXXX response was it would be " too burdensome ''. They have violated the Privacy ACT & divulged my private information into the public as well as effected my ability to extend my credit by reporting negatively to the Credit Bureaus when under the Cares Act. XXXX has harassed, humiliated, intimidated as well as tried to exhort me since they bought the alleged loan. XXXX is in violation of TILA Title 15 1635,16 CFR 33.2. XXXX has not only breached any Trust, but disclosed non public information without my consent and used the mail to harass and intimidate knowingly and willingly. This is a scheme to steal personal, family and household goods. 
I have the right of rescission if not provided at closing and XXXX was provided the documentation by the consumer, but XXXX has again completely disregarded my rights as a consumer and have moved to foreclose. There has been no contract or consideration made with the Money Source. This is a breach of Trust and violation of Title 15 1666b, e and denial of my rights under the Color of Law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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
Complaint sub-issue: Personal information incorrect

To Whom it may concern I am starting a new job and I recently had a security check on my background and addresses found out that the are inaccurate addresses that I never lived at on my credit report. My name is XXXX XXXX DOB XXXX, SS XXXX. My current and only address is XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX. 
Please delete the following addressses they are not mine never lived there : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

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 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX, Account name : 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 instructions15 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 than 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: Problem with fees

I have a XXXX XXXX XXXX through CitiBank. 
I had a balance due on XX/XX/2021 of {$16.00}. 
On XX/XX/2021 I returned items in the sum of {$9.00}, leaving me a balance due of {$6.00}. 
On XX/XX/2021 I made an online payment of {$6.00}. 
This made my balance due on XX/XX/2021 ... .XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2021, I had made an additional purchase of {$21.00} & {$400.00}. 
Yesterday, XX/XX/2021, I receive a bill for these items in the sum of {$420.00} plus a late charge of {$16.00} ( coincidence, that it is the same as the balance due on XX/XX/2021 ) -- Total now due would be {$430.00} on XX/XX/2021. 
The initial customer service rep XXXX XXXX XXXX, said that I was charged that amount because I had a balance of {$9.00} that I did not pay the preceding month. I told her that there was no reason to pay that amount because I had returned the items on XX/XX/XXXX. She disagreed with me for about 35 minutes. ( She reached out to a superior, but kept coming back with the same line of reasoning. ) I insisted that I talk to a superior.

I then, after being on hold for 7 minutes spoke to XXXX who after some kind, firm discussion on my part remove the {$16.00} late charge. 
I also found it disconcerting that XXXX  then pressed me to make a payment for the balance due. When I stated that I did not have my checkbook with me, but I would pay at my first convenience, she then pushed for me to provide a debit card ... I refused. But I did promise to pay prior to the due date.
Complaint sub-issue: Unable to open an account

I applied for a Betterment Checking account on XX/XX/2020. They asked me to upload pictures of ID and Social Security card, which I did, and continued the application on XX/XX/2020. They said " We're unable to open a Checking account for you '', " we were unable to verify the information you gave us '', e.g., address, date of birth, " Unable to match identity to existing records ''. 

The information I provided was correct, which implies that the information they are comparing to is incorrect. 

I asked them to tell me the name and contact information of the consumer reporting company that provided the information used in the denial, but they refused to tell me. I believe this is a violation of the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}
Complaint sub-issue: Account information incorrect

I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. 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 e-mail in a fraudulent account. Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX
Complaint sub-issue: Information belongs to someone else

All negative accounts on XXXX  report is fraudulent with no proof of ownership.also all 17 inquiries. 
Equifax is also exploting fraudulent accounts with no proof of ownership.also inquiries.
Complaint sub-issue: Personal information incorrect

On or around XX/XX/XXXX, EQUIFAX allowed an unknown source to place incorrect information on my Consumer Credit Report. On XX/XX/XXXX,  the consumer contacted EQUIFAX to inquiry about the wrong information and requested the source identity, the source was not identified. 

The consumer is requesting an investigation to identify the source who placed the fraudulent information on her credit file. The investigation should include the United States Postal Service, since the erroneous address reported is : XXXX XXXX XXXX, XXXX, GA XXXX. The consumer has never lived, owned, reported nor received United States Postal Service ( USPS ) mail at XXXX XXXX, XXXX, GA XXXX. 

Even with an existing FRAUD ALERT and XXXX XXXX XXXX, EQUIFAX allowed this incorrect information to be successfully added to the consumer 's credit file without her knowledge or consent.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX MORTGAGE SER, XXXX and XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcy and XXXX XXXX Card Services on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations 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- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. I got a response on XX/XX/2019 from Equifax and the unverified accounts still was on my credit report. So I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I filed a complaint in XXXX and some of the accounts were removed but not all of them. I am filing another a complaint because it seems that is the only was Equifax takes action. I would like the bankruptcy and the XXXX XXXX Card Services deleted from my credit report and taken off my account immediately. I have attached the last three letters that I have sent to Equifax even the letter when they did not respond in 30 days.
Complaint sub-issue: Information belongs to someone else

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I have filed a FTC report and contacted my local police department. I'm doing this on my own behalf. XXXX XXXX  XXXX, XXXX, XXXX.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXXXXXX XXXX is my XXXX  XXXX XXXX and I am the cosigner, XXXX XXXX XXXX 
AES XXXX XXXX XXXX XXXX, PA XXXX XXXX The loan has been paid on time for the requirement of a cosigner release which was XXXX consecutive on-time payments, AES/XXXX change rules as they go. I requested the release only to be told NOW that the borrower
does not meet the credit score required for the release. He owns his own home, cars, and other financial obligations all in good standing.

In the original documents, there is no Clause stating such a requirement. 
The payments are auto-drafted from my son 's account and Have never been unpaid. 
This is unfair and damaging to my credit report and I feel this is discrimination against my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Both student loans serviced by Firstmark were on Auto Debit, with no missed or late payments for many years, as of the XX/XX/21 statement ( attached ). After my bankruptcy filing, Firstmark unilaterally cancelled the Auto Debit agreement, yet still required payment for my loans. They claim they sent a letter to me stating Auto Debit was cancelled. I did not receive this letter, and Firstmark can not prove that it was delivered or even sent, as it was not sent via Certified or XXXX mail. After downloading said letter from the website, I realized that it was generated on XX/XX/21, and that they claimed that the Auto Debit was cancelled " at my request ''. This is a lie. I did not request the Auto Debit to be cancelled. Firstmark cancelled it due to the bankruptcy filing, because according to one agent, " that's just the way the system is set up ''. There was no permission from me, nor legal requirement to cancel the Auto Debit agreement, because these agreements with Firstmark can only be set up via a checking or savings account - not a credit card. Only automatic payments from a credit card are required to be cancelled in bankruptcy. Furthermore, aside from the auto debit cancellation notice they claim they sent, no other statements or letters were sent regarding this account until late XXXX. Upon realizing that the account was in arrears, I immediately made payments to bring the account current. However, Firstmark by then, had already reported the lateness of the account to the credit bureaus. This is an extremely unfair practice, especially considering there has never been a late payment on this account.
Complaint sub-issue: Deposits and withdrawals

I have over {$100000.00} on deposit with CitiBank ( these funds are available ). I have had two checking and one savings accounts with them for over a year with over $ XXXX in funds from the accounts inception. I needed to complete a wire transfer today for a real estate closing and they will not allow me to access my funds. There is a message saying 'Access Blocked '. I've talked to no less than 15 people at their company today across all departments - fraud, security, and customer service departments ; I have also escalated to several managers. These people are in the XXXX and have nothing but a script to follow and can not and will not help. They have told me there is no access to anyone in the United States, for which I have repeatedly asked. They suggested I visit a branch, but there are no branches that I can find in Colorado. 
They suggested I try using XXXX - so I enrolled in XXXX with my Citibank account and sent {$5000.00} to my linked XXXX account ( which is the minimum Im allowed to send ). They blocked the transaction and locked me out of my account completely. I have gone through both standard and elevated authentication processes with multiple departments within Citibank multiple times today and have more than sufficiently authenticated myself. I am very upset that they will not allow me to access my own money, which will have a devastating personal impact on me since I will not be able to close on my new house for which Ive been saving for years. I am highly concerned and afraid that I will not be able to gain access to my funds. My stomach is in knots and I have been in tears all day over this. No one there will or can help. I believe something extremely concerning is occurring and beg the CFPB to look into this with immediacy.