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

The credit bureaus are breaking the law and I want them to remove the items I disputed XX/XX/2021 its been over a month
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There has been unauthorized charges of {$2600.00} on a credit card that I have known as last four ( XXXX ) XXXX Citi Simplicity Credit card, I have contacted their customer care and their security department indicating them of all these bogus charges and to this date nothing has been done about resolving these charges and give me credit on my account, this has been going on since XXXX to this date in XXXX, interest charges, late charges have been added on the total owed on this card. 
I have gathered all my statement and have proof of these bogus unauthorized charges via my monthly statements. 
When I contact their customer care phone number they readily send me to their security department who in turn does nothing to resolve these charges much less investigate them, in this account and another account I made the mistake of authorizing auto-pay from my checking account and I have indicated that I want to terminate the auto-pay but it has fallen in deaf ears and my balance just keeps going up instead of falling after each monthly payment as it should be. 
I do have written proof of all these bogus charges since I open this account I had only one primary charge and never used this card again to buy anything, the card was never activated after the first original charge.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX XXXX misapplied my loan payments after a loan had already been paid off and I received a PAID in FULL notification ; they reopened my PAID OFF loan and altered my balance right before I was about to make a payment. I believe this company is altering and misappropriating my loans to collect extra money from me.
Complaint sub-issue: Reporting company used your report improperly

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I wrote to Equifax to dispute what they are reporting on my credit report. They did not send me a response at all. The PO Box mailing address is valid, and my physical address on my ID is also valid, but I did not get any response at any of the addresses. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file. 
As reiterated in my letter, if Equifax does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX servicing and XXXX remain on Equifax report after several complaints filed with Federal Consumer Finance and over XXXX documents, filed proving fraud and theft. 
Please also find pictures of documentfiled. in the XXXX th district court XXXX Pa XXXX XXXX person. for XXXX seperate banks XXXX of them being bankrupt at the time this was posted. please. 
Note that XXXX XXXX XXXX was never listed as having a right to collect this morgagealso note the expired notery stamp by 3 years. 
also Please note that XXXX XXXX XXXX who collected my morgagevpayment
Complaint sub-issue: Information is not mine

Hi So equifax had XXXX inquiries under my name, which I did n't recognize. I contacted them for disputing the inquiries, they asked me to contact those lenders directly to ask them to remove because Equifax could n't do anything. 

I called these lenders, one of them was XXXX XXXX XXXX, asked them to check if there was any credit inquiries under my social number or my name, turned out there was none. 
I called Equifax and they said there was nothing they could do because they ca n't remove inquiries, which I find very unsatisfied answers. There were not only XXXX but XXXX unrecognized inquiries, and certainly XXXX on the other hand does n't mess up like Equifax.
Complaint sub-issue: Was not notified of investigation status or results

Around 3 years ago I was contacted by an attorney about a class action law suit against XXXX XXXX, now called XXXX. The law suit claimed XXXX to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. XXXX was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by XXXX since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact XXXX and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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: Didn't receive services that were advertised

Hi, I travelled overseas ( outside of the United States ) and as soon as I return I was advised that my credit was in a bad condition. I contacted the Bureau to find out why and notice that there were a bunch of illegal activities on my account placing me into debt collection agencies without my knowledge. Please assist me with fixing this situation as quick as possible as I have urgent matters that needs to be taken care of. 

Best Regards, XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 an account without my written instructions
Complaint sub-issue: Deposits and withdrawals

RE : Citi Accelerated Savings acct XXXX route XXXX I'd like to make a formal complaint about the quality of customer service. 

I opened this online account in a few minutes for the express purpose of a deposit point for several annuities.XXXX had no problem making initial and recurring deposits with what I gave them. 

But I have had a hard time getting the another institute, XXXX/XXXX - who seems to be in the dark ages on doing ACH 's!?! They are requiring a signed, bank letter head note, indicating the account holder info, with account # and routing # Now I have tried repeatedly and been promised a confirmation letter thru their call centers including, several supposed supervisors, nothing has completed!!! Also never get the same story twice so not sure if ever do get a letter that it will be adequate? 

I have also repeatedly requested a POD/beneficiary form which unbelievable needs to be be snail mailed both ways? And have never received!!! 

And the real rub comes that since I opened this account in the beginning of XXXX and have yet to get a simple, standard letter as promised repeatedly. They have been able to 4 TIMES reduced the interest rate in that time?!? Now I will admit I didn't read the total details, and after 35 years in the banking industry, I am well aware of the feds rate changes but it is the same since XXXX?!? 

And usually when an institution advertises a special rate on a new account, it usually holds for a time like 6 months or even a year. And as mentioned above I have several of those that are still at the starting rate!?! 

All service contact has been by phone as even their chat function is so slow that i continually get logged out waiting for responses. And transfers to a branch office who could supposedly do something, always ends in a disconnect, sorry no one is available to talk your call goodbye, or a roll right back to the overseas help line?!? 

This is an online account, and they don '' t have branches in my state and even if I would want to go to one i cant get an office online to setup an appointment?!? 

This is unacceptable in the 21st century and especially under the present covid issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

CKS financial Investment account was paid and they are refusing to update my credit report.
Complaint sub-issue: Other problem getting your report or credit score

During the summer of XXXX, I noticed that my Equifax credit report was not changing as my spouse 's file whom I share the same creditors. So I viewed my report and noticed that none of my accounts had been updated in contrast to those of XXXX and XXXX. I looked back a year when my last Equifax update occurred. 

So I contacted Equifax and they took all the necessary steps to prove my identity. After I assured them, they were satisfied to answer my questions in which they said that nothing was wrong with my report and they would send me a paper copy in the mail, and when I get the paper copy, to call them back, and they will update my credit report. So, I did... 

The update didn't come but I remained patient figuring they will get it right sooner or later, but that day never came. 

XX/XX/2022 I was applying for home loans. Still, when I go on XXXX XXXX, my Equifax report was still the same. So I just apply for mortgage loans anyway. Then the loan companies were telling me that they couldn't get my Equifax credit report at all, as if it were a credit lock on it. So I call Equifax again and they took me through the same questionnaire and wanted to send me another paper copy before they would update my report and I wasn't going for that this time. 

I told them that I see no need for them to send me a paper copy to prove who I am for them to report the information that creditors send to the bureau. It's their responsibility to do so. 

So, they refused to do so and I filed a complaint with the XXXX. Equifax kept answering my complaint as if they never even read it or viewed the attachments, but had an already prepared template that kept repeating the same nonsense, about how credit bureaus work. The XXXX  didn't do much and closed my case because they couldn't get Equifax to comply with a simple demand. 

So, that's why I'm contacting this bureau. The XXXX arrogance of Equifax representatives is leaving me to be turned down for financial services because creditors are unable to retrieve my Equifax file. If left up to Equifax this issue may never be resolved, and I could be in financial hardship because of this. Now, I'm starting to feel something illegal or unethical could be going on with my credit file at Equifax and they are being allowed to keep me in financial distress. 

I only want them to update my credit file and make it accessible to creditors, but if I'm to experience even more damage from their incompetence I will be pursuing for recovery.
Complaint sub-issue: Their investigation did not fix an error on your report

From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.
Complaint sub-issue: Information is missing that should be on the report

Citi Bank Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called Citi customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 us 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. Equifax, XXXX, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Account status

I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Equifax continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.
Complaint sub-issue: Account status incorrect

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$76.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to the company multiple times and sent a communication to the company via XXXX advising the debt does not belong to me and requesting the validation of the debt be sent to me and the item be deleted from my credit report. I have filed a CFPB complaint that XXXX XXXX XXXX responded to as " the complaint does not belong to them ''. If they are stating that the complaint does not belong to them, why is it on my credit report. The social security number and date of birth does not match!
Complaint sub-issue: Account information incorrect

pursuant to 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether or not it factually took place can be categorized as a transaction that took place between the consumer and the person making the report. This means it should not be included in my consumer report and in fact, is a violation of my consumer rights
Complaint sub-issue: Investigation took more than 30 days

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the fraudulent inquires and accounts deleted now and stop account from being active now : XXXX XXXX XXXX, XXXX XXXX, XXXX also please remove all consumer statement XXXX advised before they hold incorrect phone numbers my phone number is XXXX only, XXXX XXXX XXXX Is still on my file which is really hurting my credit from fraudulent activity I want it removed this an ongoing issue also my ssn is XXXX bank statement attached drivers license attached social security card attached as well and I been asked for a freeze this is why this is a continuous issue please help me.
Complaint sub-issue: Attempted to collect wrong amount

for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this anima credit account is not mine, it is a fraudulent account that this company with an amount of $ {$1200.00}
Complaint sub-issue: Debt resulted from identity theft

I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Complaint sub-issue: Information belongs to someone else

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, that you investigate these accounts. XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. XXXX  XXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I also notice an unauthorized inquiry that i didn't approve XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX