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

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. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Account information incorrect

CoreLogic keeps reporting an eviction with XXXX XXXX from XXXX, CA that is closed due in the court records as mine, owing and open. I've sent them identify theft police reports, copies of the case, all of my old driver 's licenses and proof I included it in a ch XXXX bankruptcy but they refuse to update their records so I've been denied as a tenant several times.
Complaint sub-issue: Debt is not yours

I am being sued by a XXXX XXXX XXXX in court of XXXX XXXX, NJ through XXXX, XXXX XXXX XXXX, XXXX XXXX firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor Citibank N.A. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per Citibank , N.A . and I don't remember any details and don't have any records left.
Complaint sub-issue: Unable to open an account

On XX/XX/2019, I filled out an application to have my IRA transferred from Citi Personal Wealth Management to Citibank Retirement Services. It has been six weeks and the funds still have not been deposited into my account. I have lost approximately {$570.00} of interest. Since these two institutions are one in the same, it should not take six weeks.
Complaint sub-issue: Transaction was not authorized

On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from XXXX, I do not have a XXXX account or know anyone that have one. Additionally, I received {$100.00} USD from MoneyLion. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for moneylion. I have contacted my bank, and now I would like to file a complaint about XXXX  and MoneyLion. I never authorized any of it, I don't even know the moneylion account that was supposedly made under my information.
Complaint sub-issue: Other problem getting your report or credit score

Equifax uses " financial service '' questions to allow access to your credit report, freeze your report, etc. I don't recognize the answers to the " financial service '' questions and want to talk to an agent who can explain where they get their data. Their " Consumer Care Line '' is a joke. I pushed telephone buttons for ten minutes and was finally told by a robot that I couldn't talk to an agent.

As to past communications with Equifax, they mailed me a verification code to my home address. I entered the code and was sent the '' Welcome to My Equifax '' email of XX/XX/2020 ( attached ). 

When I was still unable to access my account, I tried their " Consumer Care Line '' and was unable to speak to an agent. I then sent them two emails on XX/XX/2020 and XX/XX/2020 ( attached ). They have not responded to either email.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Company charged me a {$10.00} fee for not meeting the minimum balance requirements even though as soon as I opened the account I gave the information to my old bank and did a transfer in to the new bank as soon as they finished adding the account to their system, I couldnt possibly have gotten the money in earlier since moving money in America into savings accounts sucks
Complaint sub-issue: Investigation took more than 30 days

I am filing this complaint due to lack of response from the credit bureaus, per the Fair Credit Reporting Act, if the bureaus do not respond in 30 days the accounts must be deleted. During these times of pandemic, taking the appropriate action is important and consumer like me should not its now been over 90 days and I have waited long enough.
Complaint sub-issue: Information belongs to someone else

The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : XXXX # XXXX XXXX # XXXX 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: Personal information incorrect

I HAVE SUBMITTED SEVERAL DISPUTE ASKING EQUIFAX TO REMOVE THE VERBIAGE FROM CONSUMER STATEMENT ON MY CREDIT FILE. THEY HAVE REFUSED TO REMOVE IT. I DID NOT AUTHORIZE THIS STATEMENT THAT IS ON MY CREDIT FILE, NOR DID I MAKE SUCH STATMENT. ATTACHED TO THIS COMPLAINT IS THE STATEMENT THAT IS SHOWING ON MY CREDIT FILE.
Complaint sub-issue: Their investigation did not fix an error on your report

I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of Equifax recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 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 legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.
Complaint sub-issue: Fraudulent loan

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX, and XXXX  are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters after letters and I have asked them to send me a record of the late payments that they are claiming me to have. They claim I was 90 days late on a payment in XX/XX/2019. Which I know is a lie, I also let them know that if a person is so called late on a 90 day payment why did you only report it in XXXX, why didn't they report is showing XXXX, and also XXXX in the allotted spaces with is illegal to do. They should have listed every SINGLE late payment from my credit report regardless if theres more than XXXX late per account. If I had a 90 day late payment reported, there should be 3 separate late payments listed in the allotted slots. Which there is not. So this is reporting wrong and I just want it to be updated. Plus XXXX XXXX has already taking all student loans off my report. Not saying that I don't owe them because I do. I just want them removed due to they been on my report more then 7 years.
Complaint sub-issue: Account information incorrect

Hello, I've been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I applied and was approved for a student loan of {$2600.00} from Sallie Mae. The loan was disbursed to University of XXXX on XX/XX/2021. I paid off the student loan out of my personal checking account at an amount of XXXX on XX/XX/2021 after realizing the interest rate is 11.25 %. 

Due to family obligations, I applied for a leave of absence for the 2021 fall semester and was approved by University of XXXX. The university XXXX XXXX and XXXX XXXX staff has confirmed that the {$2600.00} was refunded back to Sallie Mae on XX/XX/2021. Sallie Mae did not disclose this information to me. 

I contacted Sallie Mae by phone twice and explained the situation. However, I have not received a refund of student loan payoff amount as of XX/XX/2021.
Complaint sub-issue: Filed for bankruptcy

Years ago I had bills and credit lines in my name but I was never aware. 
XXXX of XXXX I applied for an auto loan and found out I had lines of credit from before I was even XXXX years old! XXXX I allowed my younger brother to use me as a cosigner for an apartment and he bailed on me with 6 months on the lease. Little did I know, I was volunteered as a cosigner on my brothers previous lease that he broke because of an internal issue with the complex. Once that lease was broken only thing I knew was that " the apartment would take the hit and he owed nothing. '' XXXX I bought a new vehicle for my commute from XXXX XXXX to XXXX for school. Once my mother was diagnosed with a XXXX XXXX I wasn't able to attend school or work for about 4 months which lead to me dropping out and losing my job. Once this happened I completely fell off on handling my responsibilities, which is a mistake I know not to make again.
Complaint sub-issue: Other problem getting your report or credit score

Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's Equifax XXXX and XXXX I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you
Complaint sub-issue: Problem with paying off the loan

On XX/XX/XXXX i called my auto loan bank and was told that due to principal balance low i would have to pay it off so it will not go against my credit. I agreed but I had late fees of {$840.00}. Agent on the phone agreed to remove {$100.00} late charge if i paid the {$1000.00} on XX/XX/21 so I did online and once it went thru i called back and advise I had done it. Agent told me that the department that moves funds were not there so they could not payoff my loan. I waited XXXX weeks and called back and they still have not fixed it. I spoke to a supervisor and promised it will get fixed but its on week XXXX and still has not gotten updated. Every time i call, I get advise im past due over 60 days. Today XX/XX/21 I called and requested a supervisor as it is not fixed yet. They stated there was not supervisor on the floor to assist and they hung up on me. I called back and got same answer. So its been almost a month and they can not pay my loan off as agreed and my credit is being impacted.
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Complaint sub-issue: Their investigation did not fix an error on your report

I have already tried to dispute this account several times to no avail. This account is fraudulent. I have even tried to dispute this account with the so-called original creditor but they don't have a valid address according to the USPS, but somehow Equifax keeps updating this account even though the address is not valid. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Agency, everything on my credit report has to be 100 % accurate Equifax Stated that my account was properly investigated but how is that possible if the balance they are reporting is inaccurate. I checked with the original creditor to make sure. Equifax is also reporting a past due balance on a repo which goes against the statue of limitations. This is grounds for removal The also violated my rights under 15 USC 1681 section 602 A Stating that I have the right to privacy 15 USC 1681 Section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my credit report from Equifax and noticed there were/are items still listed on my report that's over 10 years. I called and asked Equifax to remove those items and instead of them treating this as an inquiry, they treated it as a " Dispute '', which to them means that an investigation took place, they verified the information in the report was/is accurate and instead of them removing the item, they said that because I " Disputed '' the item, it will last on my report for another ten years. I was flabbergasted in that the items were never disputed, only brought to the attention of the credit agency as needing to be removed because they were listed on my report for longer than ten years. Equifax is misinterpreting the meaning of an inquiry and is noting the inquiry as a dispute, which according to federal law ( as stated to me ), that all " Disputes '' must remain on the file for 10 years from the date of reported. The " Items as of Date Reported '' is also being misused to mean that the creditor reported something new instead of Equifax verifying the information reported by the consumer.
Complaint sub-issue: Reporting company used your report improperly

Equifax has fail to report dispute results to me in the 30 to 45 day time frame. They have violated the Fair Credit Reporting Act.. I send letters on XX/XX/2022 that they have recieved and still haven't received feedback or any results in the the mail. I have recently sent them a letter regards these concerns. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX. 
XXXX XXXX Account Number XXXX
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Complaint sub-issue: Public record

I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!
Complaint sub-issue: Account status

THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least a XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.
Complaint sub-issue: Other problem

I was given a fake check which I didnt know was fake when it was submitted to me I deposited it into my account I was told to send money to another state which at the time was one of those forgein scams my account then went into the negatives and I was forced to try to get my money back on my own. I originally answered an ad for a XXXX XXXX on XXXX and was targeted by a scammer and now Im out of XXXX. The fake check I was submitted was for XXXX which bounced my account when I sent XXXX dollars to Texas I contacted my bank for assistance on getting my money and they wont help me the cops wont file a report and Im out of money bills to pay and I work hard for my money I dont appreciate it being stolen Ill know better next time please assist me in getting my money back.
Complaint sub-issue: Their investigation did not fix an error on your report

Involved parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX CitiCards CBNA Citi XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and XXXX not responsible for account regardless. XXXX said they investigated it but informed me citi has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with XXXX in XX/XX/XXXX on citi bank account that I was authorize user on but not anymore. 

Got results XXXX XXXX said the account belong to me but it does not. 

Called citi XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and XXXX not listed on account, they filled a dispute to send to bureaus Called citi XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called XXXX XXXX XXXX XXXX did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying citi verified it was mine but when I called citi they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A XXXX LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS