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

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re- investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XX/XX/XXXX, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem getting report or credit score

LEXISNEXIS FAIL TO FURNISH CREDIT PROFILE, AND IS REPORTING FALSE INFORMATION DAMAGING MY CHANCES OF EMPLOYMENT!
Complaint sub-issue: Debt is not yours

On XX/XX/2020 I sent Americollect Inc. a certified letter, they received it XX/XX/2020. The letter was requesting that the alleged debt be validated. They failed to do so, they sent me an itemized statement with someone elses name on it. This isnt my debt.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I submitted a request for equifax to correct information on my report. Such as XXXX XXXX XXXX. It came back as verified. I need to know how they verified this information? They sent me back a form letter today XX/XX/2018. 
The dispute process requires the CRA to refer a copy of the dispute to the furnisher of the disputed information, and to receive a copy of the furnisher 's investigation. 
I am then entitled, under FCRA 611 ( a ) ( 7 ) to request a description of the procedure used by the CRA, which must include the name, address, and phone number, if available, of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I didnt get that. I got a generic letter. What they did do was add a fraud alert on my file that I didnt authorize. I am trying to understand how it is my file, but they can add a fraud alert without me knowing. And they sentbthis information to other credit reporting agencies. Which is causing a big mess in my home buying process. I want the fraud alert removed immediately. I want XXXX XXXX removed. This account has not been verified in over 30 days. The other credit bureaus have removed this account because of lack of being able to verify it. Why is it still here. Why am I being penalized for their errors at equifax. My files were split. They keep telling me that I had no collections. Then in XX/XX/2018, I suddenly received notifications that I now have collections. They have brought me to the point of wanting to proceed with legal action for ruining my reputation.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021. I certified mailed my dispute to remove three collections account that are not mine. I requested debt verification as these three collections are not mine. I have attempted on 2 occasions to contact XXXX get these debts verified and had no luck.To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX XXXX XXXX and XXXX  requesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this information.
Complaint sub-issue: Account status

I have information from Equifax on my report that is negative. It says I owed money to XXXX XXXX XXXX. I thought this had been settled. This information is damaging to my score. I have paid all my bills on time for XXXX years.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, Equifax and XXXX I have not received a response from either about inaccurate reporting information.
Complaint sub-issue: Other problem getting your report or credit score

EQUIFAX- WILL NOT GIVE ANY INFORMATION ABOUT MY REPORT TO ME.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  business card continues to show up on my credit. This is a business credit card that is associated with a business I had a 25 % stake in. I sold my portion of the business in XX/XX/2018. This credit card should not be on my personal credit report. Also, the current owners have agreed to a settlement in this account. It is reflected that the account is a charge off and still owes around $ XXXX. The owners agreed to the settlement of {$13000.00} and have made {$250.00} a month payments for 3 consecutive months. It is showing on my credit report as no payments made. I want the credit card removed from my personal credit. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted I C System on XX/XX/2020 to request a debt verification letter and was informed they could not give me one because the said account with a balance of {$3700.00} was in a " Recall Status '' as the original creditor, XXXX XXXX XXXX ( XXXX ) has recalled the account. So I asked why it was on my credit report as being owned by I C Systems and reported to XXXX XXXX on XX/XX/XXXX, if I C systems can not even take a payment from me? I was told to contact XXXX. 

I contacted XXXX immediately on XX/XX/2020 as well to request a debt verification letter and I was told I could not get one unless they receive an attorney letter on my behalf because their system has changed. So I asked how I could confirm and make payments towards the account and I was told that I could only get verbal confirmation now and even after the account has been paid in full I can only get verbal confirmation and nothing in writing, but the can take payments and send me email receipts of payments made but nothing written on outstanding and remaining balance even after payment has been made. Getting an attorney is an added burden and I am trying to resolve outstanding old debts not get into new ones.

This does not make sense. First of all, how can I make payment without getting a debt verification letter which I believe I am entitled to get. How can I pay the account in full without getting a letter that states the account will be reported as paid in full if the outstanding balance. Also, how can I pay the account in full and not be able to get a letter of confirmation that the account has been paid in full. Finally, how can I C System be reporting a debt that they can not legally take payments for. 

Doesn't a customer have the right to receive a debt verification letter before making payments without hiring an attorney? Doesn't a customer have a right to know who has the legal right to collect a debt and doesn't a customer have the right to a written agreement that a debt will be reported has paid in full after all payments have been made? 

The conversations with both companies were recorded by both parties and both parties were informed that the conversations were being recorded. 

Thank you.
Complaint sub-issue: Debt was result of identity theft

I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.
Complaint sub-issue: Information belongs to someone else

There are currently numerous inquiries listed on my credit report that I did NOT initiate or authorize. This was a result of malpractice or an error.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I bought 3x {$100.00} master gift card issued by US bank on XX/XX/XXXX. When I tried to use those gift cards in XXXX, I found that the balances of all of them are {$0.00}. There were unauthorized charges on the cards. I contacted the customer services based on the phone number on the back of the cards. They asked me to fax the front/back of the gift cards, receipts buying the gift cards and my driver 's license to them for lost/stolen replacement card request. I faxed all the documents on XX/XX/XXXX and called them many times since then. I was able to get one of the master gift card replaced in XX/XX/XXXX. But for the other 2 gift cards, they said that the information has been forwarded to US bank and asked me to wait. The last time when I called them in XX/XX/XXXX, they told me that a different company/organization is handling the issue.It has been almost 2 years and I haven't gotten my {$200.00} ( 2x {$100.00} master gift card ) back. I still keep all the documents. Can you please help to get my money back? Thanks a lot!
Complaint sub-issue: Other problem

Citi has been engaged in deceptive and illegal representation of amounts due, to customers. In the last XXXX months, my statements have been assessed interest when my entire account balance was at XXXX XXXX, AutoPay withdrew more than what was due on my account and now Citi is understating the balance on my account on Page 1 of the statement itself. This is illegal and deceptive and pattern of Statements, Pricing and consumer credit gone wild. 

My latest statement indicates a balance which is several times lower than what is the actual balance on account.
Complaint sub-issue: Information is not mine

This Fraud address was asked to be removed and I did submit proof and a credit report also My DL, ID, Passport proving I was living out of the country and bills. Please have them to remove it. I have asked 4 times by mail over the last 6 months. 
XXXX XXXX Il has never been my Address
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Bank Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

I was attempting to purchase a new vehicle and was denied due to XXXX XXXX reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank harassing me, and stonewalling to clear up the issue. 

XX/XX/2019 : Fraudulent charges ( totaling {$190.00} ) on my " Citi Double Cash Card '' account was brought to the notice of Citi Mastercards XX/XX/2019 : Spoke to Senior Account specialist at Citi and requested the account to be closed because of a history of poor service, a track record of stopping actual authorized charges, but letting in fraudulent charges now. Each time I call, I am having to wait a long time trying to explain and repeating myself to multiple Citi staff. 
Staff confirmed everything and the account was closed as of XX/XX/2019. 

XX/XX/2019 : Another statement received with disputed items still open. Spoke to agent XXXX, Employee ID # XXXX. 

Agent apologized and assured me that this will be the last conversation we need to have. I requested that they end all future communication with me and stop harassing me. 

XXXX-XX/XX/XXXX : Fees, Penalties and interest being charged. Called several times in the evenings, but usually agents with poor english make me wait and end up asking me to call back. They never take my number and call me back! I have a record of all the telephone calls I made and how long each time I was on the phone. 

XX/XX/2019 : Received a letter from Citi agreeing to stop the harassment per my numerous complaints. 

XX/XX/2019, approx XXXX XXXX AZ time, spoke for about 80 minutes with : 1. XXXX, ID # XXXX, XXXX ( when asked for ID #, suggested I continue using an earlier Ref # XXXX, and XXXX ( not sure of the name because I couldn't understand the accent despite several attempts, ID/Ref # XXXX. Each one seemed to understand and agreed with my complaint. 

XX/XX/XXXX : Finally another agent was helpful. I insisted that he send me in writing what was agreed to before, i.e., that per my request the account is closed with no outstanding balance. Citi records the calls but will not review the content of the calls or provide transcripts. So I start recording the calls for documentation after notifying them. 

XXXX XXXX XXXX XXXX : I receive a letter stating the balance is XXXX and that per my request the account is closed with no outstanding balance. Copy attached as Annexure-2. 

XXXX XXXX XXXX : I receive another statement with more finance charges and penalties again! 

Unable to resolve any further. They had marked my credit file as delinquent and last week I was served with a collections notice. 

I was denied credit at least once because of their actions. I need to be applying for credit soon and my business might be greviously hurt if they do not clear my name. 

I have documented the telephone calls, recorded conversations, as well as copies of numerous letters and faxes I had sent Citi. I had also invoiced them for my time which I will take up separately. 

Their behavior is not only reckless, it is unprofessional and irresponsible. It is causing real stress to me and damage to me financially.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: You never received your bill or did not know a payment was due

I recently reviewed my credit report and noticed that Discover reported me 30 days late in XX/XX/XXXX. This was shocking to me because I value my relationship with Discover and have always paid this bill on time. The only thing I can think of as to why this payment may have been late is because I had a bad case of XXXX in XXXX of XXXX and I may have missed the payment due to being sick, or I may not have received the monthly statement. This 30 day late is impacting my credit score and I am hoping you can help by removing this late payment from my credit report. Doing so will be greatly appreciated and will allow me to secure the financing i need for my business.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2021, I noticed several inaccurate, fraudulent, erroneous, and false entries on my Equifax, XXXX, and XXXX  credit reports. I have made direct disputes with the creditors, but with no success. I have notified the credit bureaus directly and requested for the items to be removed. All three bureaus have failed to act within the time frame the law allows. At the present time, each bureau is in clear violation of the laws of the United States, and specifically the Fair Credit Reporting Act. I wish to have the fraudulent items removed from my credit reports, immediately. In the event the items are not removed I intend to initiate a small claims lawsuit as well as lodging criminal charges against the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I disputed an account that was paid and was to be verified. Equifax never investigated nor verified. My address was changed to a previous address, which was not my request. I asked to verify the payment history that is incorrect with their payment status, They never investigated. I sent in my Drivers ID along with a copy of my Social Security card on each dispute