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

I sent my first round of dispute letters to each credit reporting agency in XXXX of 2022 stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of 2022 along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to two separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that XXXX, XXXX  ans XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.
Complaint sub-issue: Reporting company used your report improperly

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX
Complaint sub-issue: Unable to open an account

I tried to open an account with US bank on XX/XX/20, US bank requested additional information which I provided. I did not hear from them for a while. I tried calling them several times, sending emails, leaving messages and no one ever got back to me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX, XXXX XXXX from XXXX XXXX, XXXX, used my credit card information on XXXX for amounts of : {$42.00}, {$63.00}, {$300.00}, {$42.00}, {$63.00}
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, I mailed several letters from my place of business at XXXX XXXX XXXX, XXXX, XXXX. Several of these letters contained checks. Within the next two days, 6 of the checks showed up in my online bank account. They had been altered and {$11000.00} was missing from my account. After an extended period of time, CitiBank returned the funds to my account. In the interim, on XX/XX/XXXX, I put a stop payment on check number XXXX, which was confirmed by CitiBank. This check was written to XXXX XXXX ( one of my father 's aides ) for {$500.00}. This check had been mailed with the other altered checks, but had not shown up yet. On XXXX, amazingly CitiBank cashed this check! And it had been altered and increased to {$5000.00}. I didn't discover it and wasn't back in town to register the complaint until XX/XX/XXXX. After placing the complaint, I have called regularly about having the money returned to the account. Each time this is an extended process, usually taking about 40 minutes, to get to the right department and waiting through multiple holds. On XX/XX/XXXX ( 50 min ), I was told by XXXX that it would be returned to the account 5-7 days. Of course I complained that this was a " stop payment '' and should be returned immediately. On XX/XX/XXXX ( 40 min ), I was told it could take between 60-90 days. On XX/XX/XXXX, I was told by XXXX that it should be returned in 5-7 days. On XX/XX/XXXX ( 25 min ), I was told by XXXX that they were still waiting for an answer from XXXX XXXX XXXX Of course I countered with what does that have to do with this, since this was a check that had a stop payment on it. I asked for a supervisor and spoke with XXXX, who said this could take 90 days. I then interrupted and said that this already over 100 days from when CitiBank cashed the check ( XX/XX/XXXX ) and she replied that they count from when the claim was made and I countered again that that is also over 90 days ( XX/XX/XXXX to XX/XX/XXXX ). She just said she would put my complaints into the record. It's obvious to me now that CitiBank is not actively working on this and just keeps pushing it down the road, and since it's firstly a case of them cashing a check that had a stop payment on it, there was no cause for any of the postponement. Their lax security is the cause of these problems. If they are not pursuing any of these criminals, but instead just victimizing their own customers, aren't they doing the stealing and also aiding and abetting criminals?
Complaint sub-issue: Information belongs to someone else

I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor capital XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.
Complaint sub-issue: Problem with customer service

I believe that Citibank/Citi Cards did not resolve my dispute within the time limitations of the governing Act set forth to protect me. Since XX/XX/2018, I have made several and ongoing requests by telephone, electronic and certified mail requesting : ( 1 ) documents/communications pertaining to disputes ; ( 2 ) arbitration ; and ( 3 ) that my credit card be closed. 

I have been and continue to be directly damaged as they took so long to reach and communicate their decision to me. To date, I have not received a response from Citibank regarding my many requests. 

Can you please help me?
Complaint sub-issue: Other problem getting your report or credit score

I dont have exact dates but I made 2 large payments in the month of XX/XX/2019 on my Discover card for the amount of {$500.00} and on my XXXX credit card for {$300.00} and for some reason my credit score plummeted when I feel it should have increased. XXXX XXXX did nothing but ignore this matter. I have no faith in proper credit scores with this company
Complaint sub-issue: Information belongs to someone else

Equifax is violating my rights! 

I have reported this complaint multiple times now that these XXXX XXXX are identify fraud : 1. XXXX XXXX XXXX account number : XXXX 2. XXXX XXXX XXXX account number XXXX 3 XXXX XXXX XXXX account number XXXX Equifax refuses to follow the laws and remove these fraudulent collections after I have provided identity theft report and police report. 

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Complaint sub-issue: Account opened as a result of fraud

I received a debit XXXX card from usbank on XXXX XXXX. I do not have an account with them or have recently opened one. I was informed from my employer that someone filed Unemployment in my name and I have gotten all of the forms in the mail from them ... PIN number, password, amount of weekly amount. I have filed with unemployment about the fraudulent claim but Im still worried there are other issues going on with my information. The address on all of my letters had the wrong house number too ... XXXX instead of XXXX. Thank you ... XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I withdrew from XXXX University on XX/XX/XXXX., When I  withdrew It was due to the fact that I had been placed on academic probation and told that my Financial Aid would not pay for my next two-semester Tuition payments, They said I must pay cash. I am barely able to put food on the table so there was no question, I had to withdraw. When all of this took place I owed my loan servicer XXXX on one loan and XXXX on another. I never attended another class after this, yet, my loans were increased to XXXX and XXXX and I had no idea until I looked at my credit report today.XX/XX/XXXX ... these loans were increased in XX/XX/XXXX I was never notified at all, and i never recieved any additional funds! XXXX XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

I feel that towards the middle/end of my school career, my student loan officer did not assess my ability to repay the loans properly and that my accumulated loan debt was not factored into the calculation. With the high interest rates of the loans, the accumulated loan debt, the amount of time/number of classes I had left to complete my degree and the type of degree I was working towards - there 's just no way I could graduate and make the kind of money required to be able to comfortably pay off the loans. I would have had to forego basic necessities to be able to afford the loan payments. I was just to naive at the time to realize the student loan impact at the time.
Complaint sub-issue: Information belongs to someone else

Equifax has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXXXXXX XXXX. I did not authorize this.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a notice from XXXX XXXX that U.S. Bank had done a hard check into my credit history. I do not have an account with them and never have had one. I called them today ( XXXX/XXXX/17 ) to find out why. Someone has applied for a credit card using my ss #. I dont have any credit cards and hopefully never will again. I paid mine off years ago. This application needs to be denied and the report removed from my credit history. I dont need a crook messing up my good credit standing.
Complaint sub-issue: Account status incorrect

XXXX is showing citi credit card on my credit report when it is showing in XXXX charged off/closed. My XXXX report is not showing that card on my report nor is XXXX showing that on my report. All 3 reports only show 2 bills that I have outstanding with XXXX and XXXX score of XXXX and XXXX. While XXXX is showing XXXX. I am not saying that didn't happen with citi however, it is not showing on the other 2 credit bureaus because it was CLOSED. It is no longer open. All 3 credit bureaus should match.
Complaint sub-issue: Trouble with how payments are handled

I used the " company '' Fedloan Help to transfer my student loans to a lower payment plan. Without receiving written or verbal consent from myself they removed {$320.00} from my banking account using a similar title to that of my student loan service at the time. As a result, they were able to remove the said amount four times. Upon noticing that this money was not going towards my current student loan and attempting to contact the company serval time, I had my bank stop payment. They used an alternate title to remove the money to which I needed to then stop the payment again. They then, attempted to contact me multiple times from a blocked number to address the money being stopped. It was claimed that the money should be going towards the student loan, but to the new company. Once my loan was transferred to the new company, it was stated that the money was not placed to the new account. In fact, my current principal balance when transferred went up by a total of XXXX. On XXXX XXXX, 2016 my student loan was a total of XXXX and when I received new paper work from my current loan company it is now XXXX. At this point in time, this company has taken a total of XXXX. 

The following is the contact information for the company : FEDLOAN HELP XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX Toll-Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Thank you for you time, in advance. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A  USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT INC XXXX XXXX XXXX XXXX Open XX/XX/XXXX -- Individual Account. {$210.00} {$210.00} Consumer disputes this account information Medical
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

After my time being hospitalized I was unable to work and had no income. I contacted the company about making installments to pay my medical bills. I did as much as I could afford and it was paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX having an erroneous claim against me that's in my credit report. I'm a XXXX XXXX XXXX I've tried to have them remove this it's on XXXX and the other XXXX credit reporting agencies. This is not my account, I've told them that XXXX times and they keep saying I have an account with XXXX XXXX XXXX whom I've never heard of in my life. My next step is to call my XXXX  XXXX XXXX  to get it dealt with because XXXX is sure not helping with the situation.
Complaint sub-issue: Information belongs to someone else

Upon checking my report, I noticed Equifax still reporting in inaccurate information. The following accounts are fraudulent. Equifax is the reporting agency who keeps saying its verified. How can Equifax verify a fraudulent account. 

1. XXXX XXXX ( XXXXXXXX XXXX ) {$350.00} Ive never done business with this company or entered into a signed contract. Its fraudulent!! 
2. XXXX XXXXXXXX ( XXXX ) Ive never done business with this company or entered into a signed contract. It Fraudulent!! 


Please See Attached Ftc Report
Complaint sub-issue: Debt is not yours

The collection was deleted on XXXX XXXX and XXXX XXXX credit reports but not on XXXX XXXX. All credit reports need to be equal and accurate.
Complaint sub-issue: Account terms

I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XX/XX/XXXX from XXXX ( tried to upload the forms but was given an error message ) .that were specifically marked that the debts were discharged/forgiven and supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my disputes, they at first updated the items correctly. Unfortunately Equifax and XXXX subsequently reverted back to reporting it incorrectly as originally disputed ( XXXX made corrections and continues to report accurately ). I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually only to explain to me that the creditor ( XXXX ) is the reason for this ongoing issue. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters XXXX year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XX/XX/XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts closed, with {$0.00} balances and no delinquency regarding monthly payment history past XXXX. It appears ( based on Equifax 's explanation ) that this lies with XXXX continuing to report the accounts inaccurately but I still believe it is incumbent upon the bureaus to report what they know is accurate regardless of what the creditor is reporting if they ( the bureuas ) have validated it. Please help me get this corrected permanently. It has been the cause of numerous credit related issues, specifically the ability to send my daughter to college as originally planned.Thank you for your time.
Complaint sub-issue: Information belongs to someone else

-XXXX XXXX  XXXX : Balance {$0.00} Opened XX/XX/XXXX -XXXX   XXXX  : Balance {$51.00} Opened XX/XX/XXXX -XXXX XXXX : Balance {$340.00} Opened XX/XX/XXXX -XXXX XXXX : XXXX  {$650.00} Opened XX/XX/XXXX -XXXX  : {$530.00} Opened XX/XX/XXXX -XXXX : {$6000.00} & {$3500.00} ( School Loan in Error ) XXXX XXXX XXXX {$0.00} Balance -XXXX XXXX {$170.00} Opened XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX {$0.00} Balance
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the Equifax XXXX XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$7900.00}
Complaint sub-issue: Didn't receive services that were advertised

please note that I received notice in my email that I will be getting free monitoring services of my credit bureau report with Equifax for 1 Year due to the data breach, thereafter I received a link to sign up, which stated to enter my last four numbers of my social security card, when I entered it stated that that a four digit code will be text to me, which never came in. I called the Equifax and was lead to different phone numbers and no one could help me. Why are they sending information to get free monitoring when in fact it does not work. I do n't understand that people from other countries are accessing our personal information that work for Equifax, which to me does not make any sense to have our personal information lead by an individual who lives in another country.