Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XXXX, XXXX, XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I originally filed a compliant against Citibank, XXXX which a rep with Citibank resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted Citi 's customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting Citibank, I've contacted each bureau. I was told, Citi would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.
Complaint sub-issue: Debt is not yours

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item PNC BANK ( ADDRESS : PNC BANK XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX  XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.
Complaint sub-issue: Information belongs to someone else

FRCA Violation credit card XXXX XXXX FRCA Violation loans CONN APPLIANCES INC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Information belongs to someone else

I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XXXX XXXX, 2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XXXX XXXX, 2020.
Complaint sub-issue: Didn't receive enough information to verify debt

FAILED TO PROVIDED ME WITH DETAIL REQUEST FOR VERIFICATION! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. Otherwise, please provide me with your documentation showing that this account does indeed belong to me. Please send me copies of the contract used to establish the account with my signature on it. Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. Sincerely yours,
Complaint sub-issue: Information is not mine

Bureau keeps reporting addresses and accounts that are not mine. They initially delete the addresses and then report them again. The accounts have not been verified and I have requested several times now for verification which is my legal right under the FCRA and to date I have received NOTHING in form of signed contracts, authorization signature or, anything else they can provide to verify these accounts from the credit bureau and/or creditors.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by XXXX XXXX XXXX in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned XXXX XXXX XXXX. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for XXXX XXXX XXXX, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from XXXX XXXX XXXX acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. XXXX XXXX XXXX considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by XXXX, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling XXXX XXXX XXXX. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to XXXX with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX have been reported as late. Finally, there was a supervisor representing XXXX XXXX ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though XXXX XXXX has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours
Complaint sub-issue: Information belongs to someone else

checking my credit report I am intrested in disputing all invalid daTA that is hindering my credit profile with Equifax.
Complaint sub-issue: Problem making or receiving payments

As a Veteran and new mother I use apps that allow me to borrow money when needed for main necessities for my newborn daughter. PNC has changed their policies blocking and preventing me to use apps such as XXXX and XXXX that allow me to borrow money in emergency needs. This is not how banks should operate. PNC NEVER offered me any loans or credit in order to suffice to my emergent needs! If banking systems continue to do this I will be forced to withdraw all of my deposits made by the Department of Veterans Affairs and purchase short term bonds from the Department of Treasury so that my needs of having extra income. Because I am a XXXX Veteran I find that the banking institutions should and will no longer be able to use my money in advance to loan it to other customers!! If this continues I will request the VA to send my money to a separate account such as XXXX XXXX or XXXX because these corporations know how to treat me!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 i made an online purchase totaling {$400.00} with my Cash app card. I never received the product, and I tried to dispute but the representative for the Cash app refused to file a dispute. 
The company I purchased from XXXX XXXX XXXX is refusing to refund me. So I entrusted that Cash app would have my back. I've given over 12 screenshots of documentation including everything that Cash app asked me to provide.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2021 I made an online purchase for {$2400.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. Not even a tracking number. I've attempted to contact the merchant and the merchant will not respond by phone nor email. They've not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. I filed an initial dispute with Citi Bank and received a denial letter dated XX/XX/2021 stating that Citi did not receive the necessary information from me concerning this dispute. Ive called Citi Bank and confirmed that my letter regarding this dispute was received on XX/XX/2021 and it satisfied every condition that was required of me, yet I was still denied for reasons unknown. The customer service agents that I spoke to couldn't tell me why I was denied and agreed that I did in fact complete every requirement asked of me. Ive attempted to file an appeal but I was told that it's not possible to speak to their investigations team. You can only speak to the dispute department that'll recommend you send a fax or email that'll be received by the investigations team and then that letter will be posted to your account in seven business days. I cant seem to receive a proper response or help from Citi. No updates on the dispute in the app, no phone calls. Just a letter of denial after satisfying all of their requirements. My dispute was ignored and never investigated by Citi. I've never had difficulty with any other bank handling a dispute or unauthorized transaction before.
Complaint sub-issue: Their investigation did not fix an error on your report

I am re-filing filing the previous complaint as I was not given a reason for having XXXX consecutive inquiries for an application. Telling me in my situation is not an explanation. How is my situation different from people who only get XXXX credit pull or an application or all of the pulls from different agencies all on the same day of the application. Saying in my situation is not an acceptable answer unless you expalin to me what my situation is/was that justifies consecutive day credit pulls.
Complaint sub-issue: Problem with statement of dispute

On XXXX/XXXX/2015 an online dispute was initiated by me with Equifax, concerning a collection reporting by XXXX XXXX XXXX an amount of {$6700.00}. The investigation was completed by Equifax on XXXX/XXXX/2015. Only 2 days. This led me to believe that a proper investigation into the facts were not done by a human, and the results of this item remaining on my report were all computer generated. I filed a XXXX dispute via telephone on XXXX/XXXX/2015. I asked the agent if any documents were sent by XXXX XXXX XXXX to counter my arguments and documentation from the XXXX dispute. Her response was " NO ''. The agent also assured me that the collection agency will definitely be required to send documentation the next time. This XXXX investigation was completed on XXXX/XXXX/15, only 1 day. They claimed that the debt was verified, and remained on my credit file. I called Equifax again and requested the documents that were sent by the credit collection agency to disprove my information. The agent, ( who would not give me her last name, or the location of the office she was working out of ) informed me that I was not allowed to know what the collector sent to disprove my information. I then requested to speak to a Supervisor. I was connected to XXXX XXXX from the Equifax office in XXXX GA. XXXX XXXX XXXX told me that I was not allowed to know the information that was sent by Resident XXXX XXXX that supposedly countered my arguments for the incorrect reporting. He also said that his agents are trained not to supply a consumer with their last name or office location. I found this highly disturbing due to the fact that these employees had access to all of my personal information right at their fingertips. I also informed him that no documentation was sent by the collection agency to refute my claims during the XXXX investigation, and therefore the this negative information should have been removed. XXXX XXXX continuously insisted that the debt was verified and reporting correctly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a problem with XXXX. I was recently denied a HELOC loan based on my XXXX   score. My score dropped by 54 points on XX/XX/2019, although there was no negative information reported on my file during this time. The XXXX  representative ( XXXX ) could not explain the drop to me, except to say that it was automatically done by their computer. These credit bureaus are a racket. It is difficult to get an agent on the phone who speaks clear English, after their persistent attempts to sell you a monitoring product. Ive worked hard to improve my credit score. In the case of XXXX, they have put a 54 point drop on my score, but cant explain it to me. This should not be allowed to happen. I want an explanation, as well as a restoration of my 54 points, at least.
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report
Complaint sub-issue: Old information reappears or never goes away

Equifax ; XXXX  and XXXX should not be reporting the XXXX  XXXX partial account number XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. Equifax ; XXXX XXXX XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax ; XXXX and XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax XXXX XXXX  and XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX  partial account numbers XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX  should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. ( Please see pages attached from my credit report. ) This reporting of aged accounts that should no longer be reporting is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus multiple times to remove these items however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

YOUR COMPLAINT Equifax has consistently failed to provide Proof of account XXXX XXXX but have only replied as creditor verified account as accurate. According to the FCRA there was not a proper investigation conducted. I was never provided with concrete evidence of verbal or contractual agreement, payment information, personal information and possibly violation of HIPPA  LAWS. I request proof or future Litigation have conducted against bureau. I want account deleted as it's a hinderance XXXX XXXXXXXX Open balance XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

XX/XX/2021 {$830.00} Unauthorized banking transactions, US Bank decided without our notification or approval to provide us money so we could receive our full stimulus money. Upon giving us money again without our consent or notification, has now taken over {$800.00} of our money away having now left our banking account in the negative which will allow them to take over draft fees at their own convenience further putting our bank account in the negative. We have bills that need paid, we are unable to pay bills and US Bank claims there is NOTHING they can do because they sent out notifications on this. They did not, we did not get any notifications on this matter and we would have certainly not given our consent in this.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

They put debt on my credit and I never had an account with this company
Complaint sub-issue: Account status incorrect

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. is furnishing information from XXXX XXXX XXXXXXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I check my credit report and I see numerous inquiries I didnt authorize Section 604 25 usc 1681 b -credit bureau does not have the right to report anything on your report without written consent.

Section 605a 15 usc 1681 c-1 With no consent your company is currently committing identity theft.

Section 605 b 15 usc 1681 c-2 Requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days and to properly notify the the furnisher of the information. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financial XXXX XXXX XXXX XXXX XXXX XXXX financial XXXX XXXXXXXX XXXX XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, I called Great Lakes Educational Loan Services regarding my Stafford Loans. Following a graduate in-school deferment - which ended in XX/XX/XXXX, with payments starting XX/XX/XXXX - I chose a " standard '' plan that would repay loans at a total monthly payment of {$620.00} for 120 months. When the CARES Act forbearance went into effect, I had a balance of {$54000.00}. I continued to make payments during the forbearance period, I reduced the amount of repayment to {$46000.00}. The monthly payment was therefore reduced to {$510.00}, which was reflected as of XX/XX/XXXX. However, upon making another payment on XX/XX/XXXX, the monthly repayment had reverted back to {$620.00} an the terms of the loan had changed from 120 ( 117 if you count payments I made before forbearance ) to 92 months. 

Great Lakes said to check on XX/XX/XXXX -- after the forbearance expired to check for an updated account view because as of now, the portal is not reflecting accurate information and they are unable to do anything about the change.