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

On XX/XX/XXXX, I received the result of my dispute submission. The result was, the account belonged to me. I am a XXXX, and my father is a XXXX, the account belongs to him. This collection account apparently was opened in XX/XX/XXXX, In XX/XX/XXXX I lived in California with no pets why would I have a XXXX XXXX XXXX account? 

I believe because my father and I both have the same name, and I recently ( as of XX/XX/XXXX ) live at the same address there was a mix-up and his collection issue has found it 's way into my credit report. A simple investigation into the account may show the original account owner is not me.
Complaint sub-issue: Debt is not yours

The original debtor is closes and is unable to contact the gym. I never had an account at XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

A Consent Order ( File No. 2017 XXXX XXXX  ) was administered in XXXX and directly effected me and my family. A small monetary compensation was provided but I am still feeling the effects three years later, however it is correctable. The inaccurate credit reporting lead other creditors to lower credit limits, increase interest rates, decline mefor credit, etc. Therefore, even after the consent order was complete the effects are still impacting me. If I can step by step rebuild where I was before this catastrophic financial event. My request is to increase my credit limit to where it was prior to this which was {$7900.00}. Currently, it is {$6100.00}. This decreases the usage rate which impacts my credit score which makes me as creditworthy as I was before this error documented in the consent order took place.
Complaint sub-issue: Information belongs to someone else

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX   XXXX XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX AKA XXXX XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX, XXXX  XXXX
Complaint sub-issue: Investigation took more than 30 days

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX/XXXX  Account Number : XXXX Reason : I don't recognize this account
Complaint sub-issue: Debt was result of identity theft

This is my XXXX complaint that I am filing against EQUIFAX. There were XXXX [ XXXX ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously reported to CFPB onXX/XX/2018with case number XXXX   vs XXXX XXXX the dba for XXXX XXXX. XXXX XXXX falsely claimed that they did not improperly report the open {$150.00} charge off for their credit card. When I attempted to call, the company gave me the run around and I was on hold for over 45 minutes without speaking with a human.

I now have the copy of all of my credit reports where I disputed that any balance owed to this company and/or its affiliates. This was a secured credit card which means I deposited {$600.00} and once I declared bankruptcy everything got paid off. Unfortunately, XXXX XXXX  continued to charge me late fees for a debt that was completely paid off and during the bankrutpcy which was in violation of 11 USC 362. I do not owe XXXX XXXX any monies and it is defaming my name by falsely stating that I owe any money at all. It is also throwing off my credit card limits making it falsely look as though I charge up cards and not pay them.
Complaint sub-issue: Account status incorrect

My mortgage company XXXX XXXX  XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report XXXX was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.
Complaint sub-issue: Transaction was not authorized

My Citibank ATM card was skimmed, and there were 3 unauthorized withdrawal on XX/XX/2022 for the amount of {$460.00}, {$1500.00}, and {$2000.00}. I saw the transaction and informed Citibank on XX/XX/2022. I explained that I was not around the city where the transactions were occurred. I am able to provide hotel bill. Citibank denied my request for reimbursement of the authorized amount. They did not provide any document to support their decision. I appealed one time and received the same decision.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Equifax and spoke to a XXXX REP about my concerns. She stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Equifax and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Equifax stop victimizing me.
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. The credit bureaus say the properly investigated but that cant be possible if accounts have multiple charge offs ( which reset the date of last active ), charged off accounts with past due amounts. Inaccurate reporting is grounds for removal. I have been patience with Equifax for over a year and they have yet to mail me proof of the investigation. this is severely hurting my chance for a financial future with this inaccurate reporting. they even have removed these account then place them right back on without an 5-15 day noctice.

they have also violated my rights under the 15usc 1681 sec 602 A which states i have a right to privacy.

Sec. 604. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
i did not give permission for them to furnish any of this inaccurate infromation.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 In Accordance with Fair Credit Reporting act XXXX  Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 5 ), not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 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 Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Complaint sub-issue: Was not notified of investigation status or results

Its been over 30 days and I havent received a written response to my dispute
Complaint sub-issue: Can't get other flexible options for repaying your loan

Was attending XXXX XXXX Ca in XXXX. I stopped attending in XXXX due to personal reasons. My campus was closed shortly after. Loans were still released to XXXX in XXXX and I'm stuck with the bill. I feel XXXX should be held responsible since they got the funds.
Complaint sub-issue: Their investigation did not fix an error on your report

Numerous requests for reinvestigation have been sent out to XXXX, Equifax and XXXX  regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.
Complaint sub-issue: Didn't receive enough information to verify debt

Remex ( Revenue Management Excellence ) sent collection notice back in XX/XX/XXXX and XXXX of XXXX, I sent a debt verification letter for both notices. 

In XXXX Remex ( Revenue Management Excellence ) only sent a copy of a bill but nothing with my signature or any other additional information, instead sent paperwork to the credit bureau to dispute my dispute. 

In XXXX Remex ( Revenue Management Excellence ) sent a collection notice again, I sent a debt verification letter again, got a response XX/XX/XXXX, and was told " because verification was provided multiple times or to provide verification after the 30 -days validation period under 1692 has expired ''.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent off a letter to get them to investigate inaccurate information from my credit file and they did not. All they did was said the item was verified, how can an item be showing different information across all three bureaus of the same data furnisher provided the information and it was investigated?
Complaint sub-issue: Reporting company used your report improperly

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If a Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the credit file. The Bankruptcy XXXX has mailed me letter which states the DO NOT provide any information to Credit reporting agencies, nor do they ever validate and/confirm public records. It is the credit reporting agencies, and/or third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S District court system due to the Fair Credit Reporting Agency PRIVACY LAW. My request to the U.S. District Courts Confirmed lexis nexis has never validated or verified these public records entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act Violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANETLY DELETED from my Credit report Immediately. lexis nexis needs to provide me with copies of all documentation associated with these public records bearing a court order to place this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have Exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you fail to respond within 30 days of receipt of this dispute.
Complaint sub-issue: Information belongs to someone else

Discover, XXXX XXXX, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, Discover has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$950.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Information is not mine

I am disputing the XXXX hard inquiries that are on my Equifax credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX ( XXXX XXXX ) I have sent XXXX letters to Equifax to dispute these hard inquiries and they have done nothing yet to correct the issue.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This debt was put into judgement in XXXX XXXX, NY  in XX/XX/2013. I told several people who called from this company but that has not stopped the repeated calls. This week I have received 23 calls from this company, personally, I find that excessive to say the least. Most of the employees are incredibly rude and threatening, all have had same line of I was going to be served by the sheriffs dept. and possibly arrested. This debt was not mine as I was a victim of identity theft. I filed all necessary paperwork after the fact, I didn't even know about the judgement until I went to apply for a car loan.
Complaint sub-issue: Information is not mine

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, XXXX XXXX Equifax XXXX, XXXX XXXX XXXX Dispute Department XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX Those inquired are not mine XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account
Complaint sub-issue: Trouble closing card

CITI BANK REFUSED TO SENT ME SECURITY DEPOSIT OF {$200.00} I SIGNED CHECK FRAUD LETTER THAT I NEVER CASHED THAT CHECK ON XX/XX/2019 CHECK # XXXX AND THEY STILL DON'T WANT TO REFUND THE {$200.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are several inquiries on my Equifax report that I do not recognize. I contacted Equifax directly and spoke to a rep named  XXXX  who advised me to file a complaint and once it was received by Equifax my inquiries would be deleted. The inquiries are as follows :   XXXX   XXXX  .  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX  .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  &  XXXX  Please remove these inquires immediately