Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Problem with fees

" Citi '' would not help us with the recent Hurrican Michael in XXXX XXXX FL. We lost everything and were denied FEMA. ( Wife and I ) We Ask them to help and they said to call!! We LOST everything which means Everything. I am using strangers devices ... They said they could not help, unless I call. I Lost everything and all I ask for them to do is hold that acct until XX/XX/2018. They said to call again. I do not understand. how they think we can just call?? ... when one has lost everything. No internet. no cell service, no cable, no nothing ... I don't want bad credit for something that was out of our control. It's not fair & feels somewhat illegal. I will try to find another person ' device to check email please help PLEASE
Complaint sub-issue: Information belongs to someone else

I checked my credit report and it said I missed two payments for a company I have never done business with.
Complaint sub-issue: Reporting company used your report improperly

You received this statement stating that this account was included in identity theft on XX/XX/2021, and you still did not remove them after 4 days. That is a violation.As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, THE REAL REAL POWER, this account on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Aslo i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffrered immediately upon receipt of this letter.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX   XXXX     {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX 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: Information is missing that should be on the report

Im tired of sending letters disputing the inaccurate information in my credit report to Equifax Is Equifax is violating my right with inaccurate information on my credit report I sent my ID and Address and I dispute to remove all the inaccurate names, addresses form my credit report and Equifax didnt remove this inaccurate information from my credit report even I sent the proves and documents Equifax even have a company in my credit report that I dont even work for Equifax is affecting my F. Credit with all this inaccurate information Im tired of sending letters to this F. Of Equifax and they are ignoring my disputes and violating the law No matter how many times I sent letters Equifax dont want to comply with the law Is an abuser company having inaccurate information that isnt accurate This F company is F my all credit report is ignoring me over and over No matter how many times I sent a dispute with proof I dont work in the XXXX XXXX XXXX  The only name That must have to be on my credit report is XXXX XXXX and XXXX current adresss Stop XXXX my credit
Complaint sub-issue: Account information incorrect

account information not reporting to all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Amount : {$1400.00}
Complaint sub-issue: Investigation took more than 30 days

I sent an investigation request to Equifax and XXXX XXXX over two months ago.  They were supposed to respond with the results within 30 days, but they have not.
Complaint sub-issue: Information belongs to someone else

I regards to my previous complaint # XXXX. 

I am in receipt of a written correspondence from Equifax stating they were unable to locate a consumer profile in their database. Equifax then continued to demand private information from me to allegedly verify my identity. This is quite a contradicting demand and response. According to Equifax they have no consumer profile in their database for me so how is it Equifax demanding information to verify something they claim to not posses? How will Equifax verify this? If I provide my private information what database will Equifax match it against to verify my identity? Furthormore, Equifax have ignored my demands I have made in my previous complaint # XXXX. 

As a private XXXX XXXX I am entitled to reserve all my rights pursuant to the 1974 Privacy Act. ( The Privacy Act is a federal law in the United States that regulates the collection, maintenance, use, and dissemination of personal information by government agencies. It was passed in 1974 and applies to all executive branch agencies of the federal government. The Privacy Act places restrictions on the collection, use, and dissemination of personal information, including the requirement that individuals be notified of the information collected about them and given the opportunity to correct any errors. It also gives individuals the right to access their personal information held by the government and to seek redress if their information is mishandled ). 

Now that I have made that clear that I have not given any consent for Equifax to infringe, furnish or sell my private information I must highlight the fact that Equifax is has received Multiple documentation proving my identity. 

I have attached substantial evidence that Equifax has received these documentations and also My proof that my information has been in Equifax 's Data Breach. 

All this is UNAUTHORIZED USE OF MY PRIVATE INFORMATION BY EQUIFAX. 

THIS IS MY LAST ATTEMPT TO RESOLVE THIS MATTER IN GOOD FAITH. 
IF EQUIFAX DOES NOT RESOLVE THIS MATTER AT ONCE I HAVE NO CHOICE BUT TO DO A FIOA, AND GET THE IRS, DOJ, FBI, SSA, SEC, XXXX, INVOLVED.
Complaint sub-issue: Reporting company used your report improperly

Established an IRA account for {$14000.00} in 2003. XXXX/Key Bank says they can not find any record of this account. You will see this account information in the copied documentation.
Complaint sub-issue: Problem making or receiving payments

CFPB On XX/XX/XXXX, I tried to transfer {$2000.00} from my XXXX XXXX XXXX XXXX ( also known as XXXX, XXXX XXXX  number XXXX ) XXXX  account  to my Wise ( also known as XXXX XXXXXXXX XXXX XXXX, XXXX XXXX number XXXX ) checking account through XXXX. 

Unfortunately, the Wise account information listed XXXX things called Account number. I figured out later that one was for XXXX and XXXX was for XXXX. Since they both were just called Account number, I chose the wrong one. When my transfer didnt show up after a week, I started contacting both banks, each of which told me that there was nothing they could do and that I should contact the other bank. Its been XXXX months. 

XXXX attempted to contact Wise and nothing came of it. XXXX provided me a proof of payment with Dates, Destination routing and account numbers, and a trace number. I sent these to Wise over a month ago. I had attempted a smaller transfer a few days earlier that ended up getting returning. XXXX told me : You can contact Wise and provide them with the destination account number and routing number so they can use the trace number to locate it. You can also mention that you transferred to it on XX/XX/XXXX and it was returned for account frozen. The XX/XX/XXXX amount was sent next and it was delivered successfully. That indicates the account was unfrozen between XX/XX/XXXX and XX/XX/XXXX. 

So XXXX confirmed that the money got transferred successfully to Wises routing number. 

The most recent email from Wise after yet another week or more of delay says : Since the funds are being sent from your XXXX bank, and the recipient details are incorrect, Wise will never receive the funds. Because of this, we can't trace them, nor can we trace incoming payments that would arrive to us otherwise. 

Since I correctly used their routing number, as confirmed by XXXX, it seems unlikely that they were not the ones to receive the funds. This directly contradicts what I was told by XXXX. Nobody can find the money. 

My understanding of the friction and delays in the XXXX system is exactly to allow honest mistakes like this to be reversed.
Complaint sub-issue: Investigation took more than 30 days

I sent EQUIFAX via certified mail on XXXX, XXXX XXXX  a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from Equifax of any updates. 

15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )
Complaint sub-issue: Information belongs to someone else

I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX  XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.
Complaint sub-issue: Personal information

I would like it to be easier and less of a headache to change/add/subtract personal/important information having to do with my credit reports, credit information and possibly even my credit score! We are in the 21st century, the digital age, so why ca n't things be done digitally or possibly even maybe a little lower tech, and get it done over the phone??!!
Complaint sub-issue: Threatened or suggested your credit would be damaged

RISE/XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. 
The CALIFORNIA SUPREME COURT RULED IN XXXX OF 2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by Rise made the loan UNENFORCEABLE. 
AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY ME.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, CREDCO add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Debt is not yours

The company XXXX is on my credit report. They have me that I owe them money but I have never had service with them. No bills or anything with this company. None of my addresses have I ever used this cable company or any of their services.
Complaint sub-issue: Account status incorrect

In XXXX I called US Bank ( the mortgage holder ) to obtain the amount needed to pay off the loan. They provided me the amount and I submitted a payment for that amount. They stated it would take 10 business days to complete the transaction. When I called two weeks later they said that they had not processed the payment and it was sent back due to it being partial and not reflecting the full loan payoff amount. I let them know that I paid the amount I was given AND asked why they wouldnt accept that amount toward the loan and allow me to pay the remainder? They could not answer that. I then cancelled and submitted the payment again ( with the new payoff amount they provided ). Because of this the second payoff attempt, that US bank accepted, was finalized in XXXX. US Bank has reported the XXXX payment as delinquent despite their decision to reject/ not process the first payoff made in XXXX. I have never had a delinquent payment on this account, for the 2+ years Ive had this loan. The only reason the payment was not made in XXXX was because US Bank elected not to accept the payment, which they did not notify me of until I called to inquire. Additionally Ive spoken to US Bank representatives that they themselves did not know partial payments would be sent back. Ive had no luck with getting anywhere with US Bank but do not believe this should be reported as a delinquent payment since had US Bank not rejected a funded payment in XXXX, this would not have been the case.
Complaint sub-issue: Account information incorrect

Submitted a dispute to remove XXXX loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.
Complaint sub-issue: Account terms

I 've disputed my XXXX account balance with Equifax several times since 2014 and the account was never removed due to it 's inaccuracy. In doing so, I informed Equifax that the my credit report from their company state that XXXX balance is {$0.00}, about XXXX year later it was changed to a balance of {$27000.00}. This is misstating the balance due, which is considered a violation of the FCRA and should 've been removed. 

Also, I contact XXXX about it 's inaccuracy, wherein they state that accurate account information has been reported to Equifax. 

Sincerely, XXXX XXXX
Complaint sub-issue: Problem with fees

On XX/XX/2018 I called m credit card company to complain about 2 {$8.00} charges that appeared on my account that had not been authorized by me. On XX/XX/2018 my credit card responded acknowledging the error and crediting my account for the charges. Everything seems to have been worked out except that on XX/XX/2018, when my payment was due I did not make a payment because # 1 the balance was {$8.00} which was the disputed amount, # 2 the account had been credited for the disputed amounts ( total {$17.00} ) and # 3 there were no other charges on the account during that billing cycle. The credit card company has charged me a late payment fee equal to the balance shown in the statement ( {$8.00} ) event though the charges were reversed and their own policy states that disputed amounts are not subject to interest or penalties if it is determined that the disputed amount was in error. I contacted the credit card company and even though they claim that are going to credit my account for the late fee my account still is marked as being delinquent when there is no balance due.
Complaint sub-issue: Their investigation did not fix an error on your report

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX/XXXX XXXX XXXX XXXX XXXX with a date of XX/XX/2005 and a phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX TO ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date, over 45 days later, I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their 30 days investigation time so these items should be deleted properly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Complaint sub-issue: Reporting company used your report improperly

I have a checking account and a savings account with US Bank N.A.. I do not have -- and never have had -- any credit accounts with US Bank and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, US Bank continues to access my XXXX credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by US Bank  on XX/XX/2019. They have also done this two times previously. Again, US Bank has absolutely no permissible purpose whatsoever and XXXX  also negligently gives US Bank completely unauthorized access to my credit reports. 

I have phoned US Bank on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with XXXX. 

Today I spoke with XXXX. They said there is nothing they can or will do. The problem, they claim, can only be solved by US Bank. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why XXXX  was negligent in allowing this to happen. If no satisfactory results are given, I may use  the courts to seek statutory damages per the FCRA.