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

XXXX XXXX 's executive specialist team, As you investigate my complaint as well as Florida 's attorney general request for a written response regarding this subject matter, please take into consideration the following facts : The Equity loan that your company is compelled to hold me responsible for originated as an instrument of the now outlawed Pick-A-Payment loan, which was then a requirement in securing the primary loan note ( one could not exist without the other ). <P/>After a six year lawsuit that I initiated back in XX/XX/XXXX, due to XXXX XXXX reneging on their originating loan options and the predatory nature of the loan, I finally settled with XXXX XXXX at the direction of my attorney with the stipulation that XXXX XXXX would finally work to approve me for a loan modification unlike the the offer seven years ago that just offered the amount owed to be placed on the back of the loan in exchange for waiving my rights to bring suit against XXXX, of course I declined. <P/>My Attorney suggested I settle based on two key factors : > As flawed as the terms were I was previously approved for a modification back around XX/XX/XXXX, at the same time XXXX was found guilty of not modifying qualifying members like myself, a fact that was to be considered. <P/>> the equity loan that originated along with the primary note held the home as collateral and therefore as long as the equity loan was open and in place ; a foreclosure & sale was not imminent. <P/>What was not known at the time of the settlement by me or my attorney was that XXXX transferred my home equity loan back in XX/XX/XXXX without my knowledge or my attorney 's knowledge releasing the home as collateral and allowing XXXX to decline the Modification and foreclose on my home without obstruction, which they did. <P/>Although I asked XXXX representatives multiple times to update my mailing address while I was working out of town they kept sending mail to where I was not so I never received any notification of any changes to my loan account and neither did my attorney who was to receive all notification related to my open suit, especially given the fact that the settlement agreement in which I signed included reference to the equity loan.
Complaint sub-issue: Didn't receive enough information to verify debt

All of a sudden my credit score drops XXXX points from and account I do not recognize CAC Financial Amount {$400.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017  until now are NOT mine and need them removed from all credit reports Thank you
Complaint sub-issue: Information belongs to someone else

This is maddening! Despite the multiple dispute letters and CFPB complaints that I have been submitting against the Credit Bureaus, they still have been failing to verify the validity of the disputes items on my Credit Report. I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/2022 requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus since the first dispute letter I sent to the Credit Bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit Reporting Agencies are bound to comply with the Fair Credit reporting Act section 605b and remove the fraudulent accounts and information being reported on my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit Reports : XXXX XXXXXXXX XXXXE XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$100.00}
Complaint sub-issue: Debt is not yours

XXXX XXXX, This complaint is against USCB AMERICA, a collection agency located at XXXX XXXX, CA. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to. 

I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
I have complete records of all correspondences, certified receipts, etc. with this company. If you would like to review this documentation, please let me know. In the meantime, I thank you, in advance, for your immediate attention and response to this matter. 
XXXX
Complaint sub-issue: Problem making or receiving payments

Some strange behaviors from multiple employees have been noticed from using Ally bank. ( 1 ) Check with lesser amount than the amount written on check was submitted and deposited at that lesser amount, despite the assured reviews and checks that are performed by automated systems and employees to correct the amount ( 2 ) It has failed a total of 3 possible interventions until 4th call was made. a ) automated/manual review that checks submitted amount against the value written on actual check, b ) secure messages sent from the website that Ally insists are always answered, c ) a call to inquire about the issue and put a case note, d ) a follow-up call to finalize after amount has been posted. ( 3 ) Check submitted with a higher amount than the amount written on check had its value successfully corrected, meaning the system is working. But not for earlier incident. ( 4 ) Mobile banking feature was used to try and send a large amount that was later cancelled. Other subsequent mobile banking transactions have successfully made through. ( 5 ) Weeks later, mobile banking feature was used to send a lower amount and has triggered a fraud alert. Upon calling abut the " Mobile banking lock '' and failing its security  checks, On XX/XX/XXXX, Ally went even further and suspended COMPLAINTANT 's entire account. Although it's understandable that someone could have impersonated the account holder, representatives at Ally couldn't give a clear explanation on why this wasn't triggered when a larger amount was involved. COMPLAINTANT uploaded/emailed photo ID, social security card and a utility bill per Ally 's request on this unfounded authentication check. On XXXX, Ally representatives denied to unlock the account as these documents did not have enough to support the unlock. Finally on XXXX, COMPLAINTANT had his account unlocked only using date-of-birth and social-security-number via the call with Ally representative. COMPLAINTANT is against puzzled as to why Ally did not ask those for those earlier. 
Yet do this day around XXXX, Ally is careless in handling XXXX payments in time. Ally can feel free to show that it takes days and weeks to process payments based on contacts that might have already received payments from the COMPLAINTANT in the past or were recently added. Ally has the right to process payments or retain security postures that it deems necessary, or even to refuse service to anyone ( as long as not based on gender/age/religion/nationality ), COMPLAINTANT would like to retain the right to assert that some/many/all employees of Ally have a bias against the COMPLAINTANT, thus require additional authentication that they not require onto others.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am intrested In disputing all incorrect information on my credit report with Equifax.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for XXXX, Equifax, and XXXX is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in time.
Complaint sub-issue: Reporting company used your report improperly

1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( has violated my rights. 

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

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

equifax, XXXX, XXXX said the what they are reporting is accurate... attached is my credit report saying it's not .... obviously they didn't do an investigation because my credit report is still the same ... ... dates and amounts are wrong!! you can see it for yourself ... ..that 's a violation... let 's not waste each other 's time and correct the situation!! I'm tired of going back and forth... IF THERES INCONSISTENCIES DELETE IT! 


this is for the XXXX XXXX XXXX XXXX and account XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update or delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The account is not mine. No proof given that it was my account. XXXX and XXXX have deleted the account because it is not mine. The collection agency has not sent any of the requested documentation to me, proving this is my account. 
The collection agency is XXXX XXXX XXXX. I have contacted them directly, and they are refusing to remove the item. I also contacted Equifax by phone and mail disputing this account and I have not received any documentation.
Complaint sub-issue: Banking errors

XX/XX/2020 Ally Bank made me an offer of 1 % interest bonus on all deposits in XXXX. I deposited {$10000.00} in XXXX. I called numerous times in XXXX XXXX XXXX and XXXX to verify this promotion, every time I was told my bonus 1 % would be paid by the end of XXXX. I called in XX/XX/2020 and was told they would investigate my account due to many errors with my and other accounts. I received a call on XXXX XXXX and was told that my account was not eligible. I followed all rules of the promotion and did not withdraw the {$10000.00} until the waiting period was over.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Equifax to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was alerted when a fraudulent charge was made on my Citibank credit card in XXXX. Someone used my number to make a strange charge in a state I have never even visited. I called immediately and they sent me a new card and said the charge would be removed. It appears that they credited the amount, and then they mistakenly added that fraud charge again! So the fraud charge amounting to {$250.00} is still on my account. 

I have called repeatedly and talked to a number of Citi employees ( internationally too ). I have always paid my account in full every month. The Citi employees kept reassuring me that I was not responsible for it, and the problem would be fixed by the next billing cycle, so not to pay the fraudulent charge. I have paid my legitimate purchases and subtracted the fraud charge, as I was told. But it kept appearing on my statements. 

The Citi employees that understand the problem are not able to fix it, and refer me to the security department, where employees can't seem to see that the charge is on my account twice, and argue with me about it. Where is the customer service backing up the assurances that customers will not be responsible for fraudulent charges? 

The last time I called I asked for a mailing address so I could send a letter and a copy of my account charges from this year ( from their own website ) to explain and hopefully reach someone that will clear this up. I mailed the documents, but haven't heard anything back. This is now XXXX. I have lost all confidence in Citibank, after having a credit card with them for years. They just keep passing me around to various departments, wasting loads of time, and no one removes the fake overcharge. And now they are adding interest to it! Their slogan " Citi is at your side before, during and after every purchase - Your Citi Team '' means nothing.
Complaint sub-issue: Trouble with how payments are being handled

Back in XXXX, I consolidated my student loans through myfedloan.org. The loan was originally from XXXX. Myfedloan " overpaid '' the amount that was due and never bothered to note the issue. XXXX made an adjustment and myfedloan never noted the adjust of {$500.00}. I have tried to call, call, call, email and write on their twitter handle to no avail. 

This company is committing pure fraud and trying to basically " steal '' money from me and I'm sure millions of others as well. The federal government should take serious company because their business practices are very unethical. When XXXX made an adjustment, myfedloan ignored the adjustment. 

Please reprimand this company and their shady business practices.
Complaint sub-issue: Information is not mine

Equifax has not removed a fraudulent XXXX account from my credit.
Complaint sub-issue: Debt is not yours

This collection agency has continued to place this collection on my credit report after I have disputed it more than once. It has not been verified so I would like it removed from my credit report. 

Carter-Young , Inc . 

Account Details Original Creditor : XXXX XXXX XXXX XXXX   Account # : XXXX Balance : {$190.00} Open Date : XX/XX/2018
Complaint sub-issue: Reporting company used your report improperly

Equifax collected my personal, private information, and then lost that information in a security breach due to outdated cyber-security measures. Furthermore, it took them over a month to make a public announcement about this security breach. I found out that my information was divulged through the security website set up by Equifax. They did not notify me personally. According to Equifax, the information might include my name, address, social security number, birth date, and driver 's license number. 

I and 143 million Americans are now an easy target for identity theft for the rest of our lives because Equifax collected our information and lost it due to negligence. We will have to use credit monitoring services, fraud alerts, and request frequent credit reports to ensure that our identity is not stolen.
Complaint sub-issue: Debt is not yours

I noticed a debt on my credit report from EOS. Collections company. They claim I owe a debt of XXXX..from a service for which I orginally cancelled my XXXX account at the address if XXXX XXXX XXXX. It was paid in full and I returned the Equipment. They are stating the debt is from XXXX XX/XX/XXXX. I did not reside there at the time. I moved to XXXX XXXX XXXX in XX/XX/XXXX. 
I tried to explain all this to them..but they still were trying to get some money. I told them..why should I pay for a debt..that is not mine. I did not live at that residence. during the time period they claimed. 
I hope to get this resolved and removed from my record..and credit reports. I did live at XXXX XXXX XXXX.for 19 years..the home was in foreclosure from XXXX till the time I moved out in XX/XX/XXXX. But my XXXX account was paid in full. I was not there during the times they claim I owed the bill. Which was XXXX..to XXXX XXXX..the house was empty. 
I was residing at XXXX XXXX at the times claimed debt they stated. Please help me resolve this.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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
Complaint sub-issue: Information belongs to someone else

There are 2 fraudulent collection accounts on my credit. XXXX XXXX AND AFNI. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX  get my identity info and pass it to there XXXX  and friends.
Complaint sub-issue: Account status

Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. {$420.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$500.00} This ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1400.00}. This ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. This ACCT. was charged off listed with wrong balance please delete.
Complaint sub-issue: Other problem getting your report or credit score

In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from Citi. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.