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

I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that Credit Reporting Agency are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct the following accounts : XXXX XXXX XXXX Balance Owed : {$220000.00} ; XXXX XXXX Balance Owed : {$960.00} ;
Complaint sub-issue: Public record information inaccurate

Hi. I had filed my taxes for 2016 online and was told I owed XXXX {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on XXXX. Today, I got a notice that a public record was placed on my credit report by the NY State Country clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX Regional Acceptance, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX XXXX  Balance : {$0.00}
Complaint sub-issue: Deposits and withdrawals

This incident happened back in XXXX of 2022, I had just opened my Citibank bank account and I mobile deposited XXXX checks from my employer. Keep in mind these checks have my home address and my name. The first check was of {$300.00} and they cleared it a couple days after. A week or XXXX after, I deposited my second check ( from the same employer ) of $ XXXX {$1200.00}. They didn't give me anything available and later that day my account was frozen due to supposedly fraud. I tried calling customer service multiple times telling them the situation and asking what's going on and they would click on me or sometimes they wouldn't even answer. This caused me financial hardship. I was late on my rent and on my credit cards and even my car payment, which all caused my credit to drop XXXX points. I also received a letter from them on XX/XX/2022, stating that they were going to send me my money in a check in XXXX days from that date, til this day I still have not received anything.
Complaint sub-issue: Debt is not yours

A letter dated XX/XX/XXXX from XXXX  of Ohio, stating that I owe them an alleged debt for {$3800.00}. The Original Creditor was PNC Bank, who previously charged off the alleged debt. I have no contract XXXX of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX of Ohio and PNC Bank, about me is in direct violation of my privacy per the Privacy Act of XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022, I was informed that three collections had been added to my credit report. Upon searching for a number and after speaking with several reps that looked up my name, number, and social security number to no prevail ; I finally was able to speak with someone who found the collections, even though I was not in their system. She stated that there was 5 collections in total, even though only three are being reported and she couldnt tell me why the other 2 were not being reported. She also stated that she couldnt give me any information on these collections, but I could go to care.uscbamerica.com to request an itemized list immediately. I went to the website, and once again it was a dead end with no records and an error message and it did state that it takes up to 4 weeks to receive a list ; which was not what was told to me. I asked if I were to pay the amount, if it would be removed from my report. She stated yes, that it would be completely removed from collections. Her team lead stated otherwise when I had called back to make a payment. This company didnt have my address, phone number, or SSN nor have I received any type of bill or notice of the original debt and the collection debt. I feel this may be a fraudulent attempt to collect money, or possibly a fraudulent company as an entirety.
Complaint sub-issue: Information belongs to someone else

I have never had an account with US Bank, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account US BANK XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$13000.00} {$410.00} {$18000.00} XXXX PAYS 61-90 DAYS {$5100.00}
Complaint sub-issue: Old information reappears or never goes away

Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The company checkr had inaccurate information on my backround report that was completed XX/XX/XXXX. I disputed this on XX/XX/XXXX And on XX/XX/XXXX the completed their investigation and removed some information and sent me an updated copy. On XX/XX/XXXX my backround report was requested for another company and I received a copy of their report and nothing was removed. The same original disputed information was Still on there. This inaccuracy is preventing employment.
Complaint sub-issue: Account information incorrect

I have multiple mortgages with XXXX and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years.

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act XXXX  account number XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.
Complaint sub-issue: Funds not handled or disbursed as instructed

PNC is restricting me from transferring funds into my XXXX App.
Complaint sub-issue: Information belongs to someone else

I have an account on my file that is not mine I filed a fraud alert months ago with the credit bureaus I filed a police report as well to have the account deleted from my credit report. Please see attached documents. Please delete/remove the following accounts : XXXX/XXXX  XXXX # XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX PLEASE UPDATE MY CREDIT REPORT ASAP!
Complaint sub-issue: Debt is not yours

This company is in violation of the FCRA Section 611 ( A ) ( 1 ) by failure to validate an alleged debt in a timely manner and or providing proof of contractual obligation. " sum owed {$750.00}
Complaint sub-issue: Information belongs to someone else

The below accounts do not belong to me and I have tried to resolve this with the companies directly but haven't been able to get anywhere, and its stopping us from getting a home and we have XXXX children. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Accounts # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$950.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$210.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$200.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$130.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$78.00} Account # XXXX
Complaint sub-issue: Was not notified of investigation status or results

Around XXXX I made a dispute through equifax on their website. I have been waiting over a month for my results to come in. So one day I check online to see my status again and it still states that is was n't completed so I call their customer service to see what 's going on. I call customer service and they lady ask my dispute number and I tell her it then she states that ALL my disputes came back verified when several came off of my XXXX and XXXX. Then I ask her why was n't I notified about my completion and she did n't have and answer. I feel as if either I was lied to or they do n't have their business organized.
Complaint sub-issue: Debt is not yours

Grant & Weber is attempting to collect {$10000.00} On behalf of XXXX XXXX XXXX. I live several hundred miles away and have never interacted with XXXX. I do not have the account information because i dont know who this company is. Both XXXX and Grant & Weber are attempting to collect money and I have no idea why.
Complaint sub-issue: Information belongs to someone else

Several years ago a credit card was opened in my name with XXXX XXXX. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2021 I was trying to add my moms authorized user credit card into her XXXX XXXX XXXX. Immediately got a fraud alert on my phone that somebody was using my card. I called and provided asked information and was told by supervisor XXXX that the information is not sufficient to unblock the card.I asked to speak to a supervisor in the XXXX, she said they were doing an upgrade and asked to call back. Reached out to customer service via app they were not able to help. I am currently on vacation overseas, XXXX told me to get a letter from the bank to get verified. This is not acceptable I want me and my mom to be able to use cards. I did not provide them any wrong information to not to have my card unblocked. Please help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i recently pull a copy of my credit report i want to inform you that i have unauthorize inquiries on my credit report and i need all them to be remove ASAP
Complaint sub-issue: Card opened as result of identity theft or fraud

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on DISCOVERBANK with account number XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reach out, mailed, called FED-retail along with the Credit bureaus XXXX XXXX Equifax XXXX XXXX XXXX to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.

15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with XXXX. They wont even allow me to submit the dispute.
Complaint sub-issue: Debt resulted from identity theft

After pulling my Credit Report found that there was a report of unpaid debt from a company called " The XXXX XXXX XXXX ''. I never ordered any products or services from this company. After collection information from XXXX sources found that this was for a ring that I never received. I have informed both the collection Agency and the original creditor that I made no such purchase and have reason to believe that my X-boyfriend order such product ( s ) without my consent. 

On a number of attempts I have tried in good faith to work with the original creditor and found that they are not helpful and refuse to assist me in this matter. 

All communication has been in writing as required.
Complaint sub-issue: Reinserted previously deleted info

I have a complaint against XXXX Credit reporting agencies XXXX and Equifax I have sent XXXX letters to dispute that I still Owe XXXX on A 6 year old XXXX XXXX account XXXX ) I had insurance on the card and the bank did Not Pay ( see XXXX class actions against XXXX XXXX Bank, I removed my self from all class action suites against Bank ) I owed XXXX from XX/XX/XXXX now 6 years latter they say I owe XXXX have it reporting current late and I am at 138 % of my credit line this is dragging down my credit score. I lost my Job and Wife in XX/XX/XXXX I had insurance on each card the Bank would not cover after I spent XXXX on preiums over 8 years ( XXXX ) cards Its just XXXX card they report like this also it is a card that the bank sent me a XXXX C in XX/XX/XXXX and stated as income not a debt so they take a write off and now place on my credit as being 120 days past due its been 6 years since I payed on this since the insurance was to coverPlease advise XXXX XXXX XXXX XXXX XXXX Fl XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX  reported a collection account to my Equifax file. I received notification from Equifax and submitted a dispute. Equifax responded saying, " We verified this item belongs to you. '' I have no knowledge of ever receiving services from XXXX XXXX XXXX XXXX XXXX and I have no idea who or where they are. I have never received any bill from them and can not locate them to ask questions about the charge. Collection agency XXXX XXXX  XXXX has never contacted me by any method to attempt to verify or collect. They simply reported it to my Equifax file. XXXX XXXX XXXX does not answer their telephone : I called numerous times over 8 days and got the same recording every time, " XXXX XXXX XXXX is not answering. This mailbox is full and can not accept new messages. To disconnect, press 1. '' XXXX XXXX  XXXX has effectively blocked me from obtaining any information about this charge, and instead damaged my credit by reporting a charge I have no knowledge of and have no way to get more information about.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to XXXX XXXX XXXX EQUIFAX. I am a natural person who is at all times relevant. My Consumer Report shall always be FAIR and EQUITABLE to me. XXXX, XXXX, AND EQUIFAX are each reporting this XXXX XXXX CCOUNT on my Consumer Report, I am requesting a complete reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am litigious Consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.