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

Equifax repeatedly ignores my request to send verification and remove fraudulent accounts from my credit file after numerous attempts for years!! I keep repeatedly sending in there requests for idenitity etc and they refuse to investigate my disputes!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

there are two inquiries on my report that i never gave premission XXXX and XXXX plcc please remove these off of my report asap
Complaint sub-issue: Problem accessing account

I have one business account and one personal account. The bank said that the only accounts that I have, they are hiding a account in my name.I go to the bank and they are laughing at me when I ask for a print out with everything in my name they do not want to. This is been going on for over year.
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it is said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said that you have 30 days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or incorrect on them. 

I demand the following accounts to be verified or removed immediately. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX ( {$670.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$0.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX ( {$1200.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$960.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$650.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Deposits and withdrawals

- XX/XX/22 Requested ACH withdrawals of XXXX {$490.00} and XXXX {$2000.00} ; both of which are still pending 8 days later. 
- XX/XX/22 Requested transfer of XXXX out of BlockFi to XXXX and my request was rejected on XX/XX/22 citing inadequate proof of identification ( which I have done on BlockFi many times in the past ). 
- XX/XX/22 BlockFi restricted withdrawal requests on their app and website, therefore my XXXX is officially in limbo.
Complaint sub-issue: Information belongs to someone else

I've been communicating with XXXX, Equifax, and XXXX about my XXXX XXXX XXXX XXXX XXXX loan that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus equifax, XXXX and XXXX that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of 2020 XXXX XXXX on XX/XX/2020 capital XXXX JPMCB XXXX XXXX XXXX on XX/XX/2020 XXXX bank on XX/XX/2020 BK OF XXXX on XX/XX/2020 XXXX card services on XX/XX/2020 XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with Equifax, XXXX, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.
Complaint sub-issue: Problem with fees

In XX/XX/2022, I took advantage of a Balance Transfer offer with my already existing citibank credit card. I have had this card for 10+ years but have not used it for the majority of that time. I had the payments set on auto-pay so I had not looked at the statements until XX/XX/2022 where i noticed they had charged me a monthly fee of ~ $ XXXX {$25.00} each month for a " Payment Safeguard '' service that I never requested, nor was communicated to me in any of the balance transfer documentation that this fee would be charged. This is stated on the statement as an optional charge - however i was not notified prior to this fee/service being billed. I did not want this optional service. I called to remove this service and request a refund. They told me I had no way of getting in touch with the refund department but that I would receive something in the mail with the final decision. The letter stated that because my account was protected during that time, i was not entitled to a refund. I did not request this Payment Safeguard, and now i'm being charged interest on the amounts of the service fee! I have not been able to speak to anyone directly about this, except to cancel the charge. This was deceitful in placing this on my account without my consent.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, LexisNexis must delete this information from my credit report, and i asked them on several occassions starting ( XX/XX/2018 ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Problem accessing account

I recently changed phone numbers and updated my online banking with Citibank accordingly. It is common practice for online banking users to update their personal information only when necessary, usually just before they conduct a transaction such as a withdrawal or a transfer. 

I opened a new bank account at XXXX XXXX yesterday and attempted to transfer funds from Citibank to XXXX using online banking, but all attempts to do so were blocked, and the only reason given by the Citibank representative is that the phone number is not " verifiable '' because it has not been in the system long enough. 

To give some context, however, it should be noted that Citibank has been sending automated verification codes to this very same phone number since the new number was entered, however Citibank 's Fraud department claims that this number is " not valid for verification ''. Citibank has provided NO timeframe whatsoever within which the number will become " valid '' in their systems. 

Citibank has provided NO acceptable solutions to my issues so far, other than repeating the same excuses and providing no acceptable reason as to why a phone number their own systems have been using for verification is suddenly no longer valid for identity verification. They have asked me to visit a branch despite my informing them that the nearest branch over XXXX miles away or provide an alternative number, which contradicts their argument that they can't trust my new cell number because it hasn't been in the system long enough. 

Citibank has effectively accused me of fraud on my own bank account for the simple reason that they have arbitrarily and capriciously determined that a change in phone number is somehow deemed " suspicious ''. Given that I have banked with Citibank for the past 13 years, this is totally unacceptable.
Complaint sub-issue: Debt was paid

Had case # XXXX vs XXXX Bank XXXX XXXX. I settled and paid through XXXX XXXX XXXX XXXX ( XXXX ). I paid an initial payment 0f {$1100.00} and then paid the rest os scheduled monthly payments through XXXX pay using my bank. Last payments finished on 2020. 
I have been receiving harassing paperwork from XXXX XXXX attorney at Law ( XXXX ) XXXX, duplicating case # XXXX and asking for {$4500.00}. which was already collected by XXXX XXXX XXXX XXXX. 
I went through my bank statements to ensure the payments were there. 
This is appalling and sad that we are letting these firms STEAL from every day people trying to make a living. I went through a hard time but did pay XXXX all that I owed. Why is XXXX XXXX trying to steal from my family. I fought for my country and would do it again in a heartbeat. 
Please help and correct/punish these individuals trying to take advantage of our systems.
Complaint sub-issue: Reporting company used your report improperly

I am viewing my credit report to find these discrepancies : CREDCO - XX/XX/XXXX XXXX  CREDCO/XXXX  XXXX  I Mortgage Companies XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  CREDCO - XX/XX/XXXX XXXX  CREDCO Mortgage Reporters XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  As I think back someone had to been fraudulent using my credit information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit 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 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

In accordance with the fair Credit Reporting Act 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 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I feel puzzled right now coz I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these public records blocked/removed from my credit file per FCRA. 

XXXX  XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiry pulled without consent by XXXX on XXXX XXXX Inquiry pulled by XXXX without consent on XX/XX/XXXX Inquiry pulled by XXXX without consent on XX/XX/XXXX Inquiry pulled by XXXX XXXX XXXX without consent on XX/XX/XXXX Collection account by XXXX XXXX XXXX which is not mine for {$1900.00} Collection account by Account XXXX XXXX which is not mine for {$130.00} Equifax had refused to authenticate and remove inaccurate information
Complaint sub-issue: Information belongs to someone else

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Fraudulent inquiries i never did inquiries with these companies XXXX XXXX  inquiry date XX/XX/2020, and XX/XX/2020 XXXX XXXX  inquiry date XX/XX/2020 These inquiries are fraudulent I sent XXXX  proof of police report that I'm a victim of identity theft these inquiries are not mine
Complaint sub-issue: Information belongs to someone else

I have tried to get the following fraudulent account removed from my report with Equifax for the last couple months. Despite numerous efforts Equifax continues to report it on my credit report. I have opened up a idenity theft complaint with the Indiana Attorney General 's Office. Please see the complaint number attached. I despite that the items be removed. If not, I will continue with further legal action. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXXXXXX ( XXXX ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines XXXX is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached
Complaint sub-issue: Don't agree with fees charged

I applied for Income Based Repayment with AES for the 8th year in a row, and they did not apply it to my account. They have now capitalized the interest and sent me a past due notice. They are doing this so they can capitalize the interest which was pending due to my IBR status, then they can charge more interest due to the increase in the principle. I applied for IBR well within the time frame to prevent the capitalization event. They are doing this to get around the IBR rules and is Fraud! They tried to do this last year and I corrected the error then, but this is a course of business and has happened to several of my friends. This needs to stop, and is contrary to the law!
Complaint sub-issue: Account status incorrect

Regarding Keybank credit card account number XXXX I entered into an agreement thru XXXX XXXX XXXX on XX/XX/2020 wherein Keybank agreed to accept monthly payments of XXXX. However, they continue to report as delinquent 30, 60, 90 days. Neither Keybank or XXXX when I dispute will agree to change the status even though I am making the monthly payments as agreed.
Complaint sub-issue: Information belongs to someone else

I have sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX XXXX  # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

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: Trouble with how payments are being handled

I have sent documentation to XXXX XXXX XXXX XXXX three times to determine my income-based repayment plan. Each time I was given a different amount to pay. They have determined my income-based payments incorrectly each time. I have called several times, over five, and have spoken to supervisors. No one seems to get it. As I have explained, I am a XXXX. My pay rate changes daily and seasonally. Simply sending in my two week pay sub will not give you an accurate account of how much money I make. I do not receive pay checks, it all goes to taxes and then some. Great Lakes seems to think that they can take a number they see on my pay stub and multiply it by 52 weeks and that 's automatically my income for the year, which could n't be more wrong. I have also attached my tax information per the IRS website and still was given an outrageous amount to pay, although I am making basically the same amount I did the previous year. It was raised over {$45.00} dollars. I have been with Great Lakes for over five years and have never had a payment amount this high. I have tried several times to explain this to Great Lakes representatives and each time their solution has been to send in another pay stub. So it could be calculated wrong again? Never in my life have I experienced such ignorance with a loan lending company, and I hope to resolve this issue without taking further action.
Complaint sub-issue: Information is not mine

I got a rejection letter from XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in.
Complaint sub-issue: Information belongs to someone else

Hi, I have reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/XXXX I have been disputing information reported by XXXX XXXX XXXX and Equifax, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX  claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX