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

XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX  {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a hard inquiry impacting my credit report by A company identifying itself as XXXX/XXXX on XXXX XXXX, 2017. I did not authorize this credit check or any other mortgage company, broker, or loan lender to pull my information for purposes of a credit check. I believe my Ex. may have stolen personal info. and now it is being used for malicious purposes. I kindly ask to have my info removed from your system and the hard inquiry deleted from the credit report. Thank You!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XX/XX/18, i made a charge on my credit card payable to the state of ca department of motor vehicles. around this time my credit card company notified me of potential fraudulent charges on the card. they contacted my wife and asked about recent charges. at the time she did not recognize the dmv charge and when questioned by citibank along with other charges. she was told that in the event the charge was legitimate, we can have them reprocess the charge. the charge made on the credit card was a dmv vehicle registration renewal. we later called and notified citibank that the charge was legitimate and had them reprocess that claim. on XX/XX/18, i receive a letter from the dmv that the charge was credited back to my citibank account and now owe the sum of {$200.00}. on XX/XX/18, i went to my local dmv to try to resolve the matter. i showed them the initial charge of {$200.00}, the reversal, and the reinstated charge. according to the dmv, they would not be able to accept my records as a form of payment and needed to pay either by check or cash since my credit card initially defaulted. so in order for me walk out with a valid vehicle registration, i would need to pay again in the form of a check. at this point i called citibank to reverse the charge made to the dmv but can not do so because dmv must do it. its been almost 6 months and i still have no resolution. I've contacted supervisors at citbank with no such luck. essentially my issue is i paid twice for my vehicle registration renewal.
Complaint sub-issue: Report provided to employer without your written authorization

This organization is in violation of XXXX5 USC 169XXXX XXXX XXXX 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.
Complaint sub-issue: Their investigation did not fix an error on your report

Disputes were submitted on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX to Equifax, XXXX XXXX and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
Complaint sub-issue: Account status incorrect

Ally Finacial has incorrectly reported on my credit report that I have to repossessions on XX/XX/XXXX and XX/XX/XXXX they also recorded that my payments were made on time in full during these months.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX/XXXX  # XXXX Not my account. Please Verification and Method of Verification. 

XXXX  XXXX  XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX/XXXX  Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my Hippa Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on Equifax, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX  XXXX  XXXX  # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX  XXXX  XXXX  # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX  XXXX UNIVERSITY # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.
Complaint sub-issue: Reporting company used your report improperly

XXXX  XXXX, XXXX, XXXX  ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
Complaint sub-issue: Debt was result of identity theft

THIS IS IN RESPONSE TO CFPB : XXXX YOU HAVE ASKED ME FOR AN AFFIDAVIT, IN WHICH I PROVIDED IN THE INTITIAL COMPLAINT. PLEASE DO NOT STALL AS YOU HAVE 30 DAYS TO RESPOND BACK AGAIN FOR A REINVESTIGATION FOR VALIDATING THIS DEBT. PLEASE DO NO VERIFY INFORMATION USING XXXX AS THAT IS IRRELEVANT. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX AMERICOLLECT XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence  dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with ALLY Bank were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX Balance : {$3900.00}
Complaint sub-issue: Was not notified of investigation status or results

I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act Citi Bank NA has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Information belongs to someone else

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Complaint sub-issue: Account status incorrect

Dir Sir or Madam:I wrote to you approximately 11 months ago regarding a ‘Charge Off’ and delinquent activity being reported on my credit file from Citibank (CFPB Case No. XXXX). I received a response on XX/XX/XXXX, from XXXX XXXX denying my request to remove the derogatory information. In late XX/XX/XXXX, Citi shut down an overdraft account after I closed my corresponding checking account. At the time, I did not realize that there was a balance due on the overdraft. After the account was closed, I attempted to log on and ensure that everything was in order but was unable to access the account at that point. I called Citi and was told that they would be in touch. I was never contacted again.In XX/XX/XXXX, my company was in the process of securing a $XXXX XXXX XXXX loan for a XXXX XXXX XXXX project. The lender ran my credit report and found the derogatory information. I called Citi and they explained the reason for the status of the collections. I immediately transferred $XXXX to Citi to clear the balance. None the less, I was forced to resign from the company in which I was a 50% shareholder, in order to secure the loan.As of today, Citi is still showing the balance due and multiple associated late payment marks. In his letter, Mr. XXXX  never mentioned receiving the payment of $XXXX on XX/XX/XXXX. Mr. XXXX also claimed that Citi had no record of any communications with me or of statements being returned. I cannot accept his claims since the company has an inability to even track my payment of the XX/XX/XXXX.It has now been approximately one year since I first notified Citibank of this troubling issue. My credit and business have been harmed and I would request that you assist me in dealing with this egregious lender. If the $XXXX is not corrected to be shown as paid and the derogatory marks removed, I will be forced to seek legal action.Kind regards,XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have been steadily and on time, paying down my balance when I was suddenly hit with an interest charge of {$780.00} on XX/XX/2019. This on a balance of {$1400.00}. 
Up until this month, XX/XX/2019, my previous monthly interest charges would range in the $ 20- {$30.00} range.I scarcely use the card in the last 12 months and have committed to paying it completely off and closing the account. 
In addition to the additional {$780.00} fee, my balance has now been pushed over my assigned limit, so yet another fee of an " over limit '' charge of {$35.00} was added to my 'debt '. Coincidentally I'm sure, I am unable to download to file or even view these insane finance charges per usual with the easy to read pdf format, as I have always been able to do up until to this charge had been added. I have a paperless account. 
I have called their customer service and spoken with a representative " XXXX '', who stated the charges are accurate and will stay. So I must pay the amount or suffer the consequences. Please help me! XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate information and unknown things on my credit report to this day it has been over 30 days and I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes section 611 ( A ), it is plainly stated that a failure to investigate these issues within 30 days gives a reason to immediately remove those items from my credit report. They should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Banking errors

I have been a victim of ID theft. On XXXX I contacted CITIBANK that someone fraudulently took out {$1500.00} from my savings account and opened a checking account and requested an ATM. We notified the bank and they said that account is now frozen and that money is safe. We learned that this was NOT true. It appears thief processed an unauthorized ACH which was not done by me. I told bank to close the fraudulently open checking account and put funds back into savings account and to close account and to send me a check for all my funds. To date they keep opening and closing cases, I have 4 so far, and they have NOT sent me my money for the full amount I am owed.Please help in getting my money. I have at least 100 hours of phone calls to date. I keep getting transferred to XXXX and then request US rep but they do nothing or hang up.
Complaint sub-issue: Investigation took more than 30 days

I've mailed Debt Validation XXXX Letters to XXXX, XXXX, and Equifax dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account
Complaint sub-issue: Account status incorrect

I've FULLY PAID an account off of my credit with XXXX XXXX XXXX and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX18 1. Equifax - 2 separate times - notified me dispute investigation complete - may view results online - confirmation numbers XXXX and XXXX 2. Both times - attempt to view results is instructed - identity verification questions were all answered " NO '' - they said it doesn't match their files - said I had to use " secure Email '' -- >>>>>They are blocking me from viewing results -- >>>>>They have something in my file which they are shielding Original CFPB complaint = XXXX
Complaint sub-issue: Information belongs to someone else

equifax, XXXX  and XXXX  has accounts on my credit report thats inaccurate/not mine.
Complaint sub-issue: Problem with statement of dispute

XXXX XXXX was never disputed but has a remark about a dispute. XXXX XXXX is not aware of a dispute. XXXX was never disputed and the account has a remark. XXXX is not aware of a dispute. There are inquiries on my credit file that were placed in error. There should not be any inquiries for XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX. The inquiries were not authorized. Furthermore, I requested my XXXX credit account to be updated to reflect credit limit of {$2500.00} back in XXXX and it is still showing credit limit of {$650.00}. XXXX account has a balance as well.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX XXXXXXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX  XXXX Original creditor : XXXX Account number : # XXXX Account name : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
Account number : # XXXX ALLhave all violated my legal rights under the following laws : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS
Complaint sub-issue: Information belongs to someone else

I have contacted the 3 credit bureaus regarding inquiries on my account that are not mine and without investigation it is closed within a few hours. It is unfair to have them on my reports which are harmful and unfairly lowering my score and any chances at home ownership XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

On XX/XX/XXXX I sent a certified letter to XXXX XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to Equifax containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Equifax. Equifax # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that XXXX XXXX received the certified packet and on XX/XX/XXXX I received confirmation that XXXX  and Equifax received the certified packet that I sent. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX levels. 

On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to  assist me in this urgent matter and clear this up as soon as possible.