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

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX Balance {$600.00} XXXX XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX  XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX Balance {$5700.00} XXXX XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX  XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX  XXXX Balance {$2300.00} XXXX  XXXX  XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXXXXXX Balance {$5800.00} XXXX  XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$4100.00} XXXX XXXX XXXX  XXXX XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}, must be updated to reflect accurate information on my Credit File.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

). I have had repeated dispute filings and several correspondences with representatives of Citi to try and resolve my issues with these false charges, many times thinking this issue was resolved. These letters indicate the closing of disputes for charges applied to my credit card ending in XXXX, from XX/XX/XXXX to XX/XX/2019 by reversing my credits.   These charges of $XXXX have been fraudulently appliquéd by XXXX XXXX” and charges of $XXXX charged by “XXXXCiti customer service has repeatedly denied my explanations of not ordering these products. I never received anything from these companies and can n ot understand how Citi can deny it own customers explanation yet accept suspect institutions.  How can one accept delivery of a product before it's even delivered?
Complaint sub-issue: Account status incorrect

Two accounts that were previously removed were re-inserted. Initially, the collection agencies did not respond within 31 day period. Therefore, they reported the information again about 3-4 months later.

XXXX XXXX - XXXX XXXX was removed in XX/XX/2017 for {$240.00}.

XXXX - XXXX XXXX XXXX removed in XX/XX/2017 for {$190.00}.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 belongs to someone else

I am a victim of identity theft and I have things on my credit report that is not correct and not mines. I have made a report. 
i sent in paperwork showing it was identity theft and no response or they tell me they never received the information
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, XXXX and Equifax are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with XXXX XXXX and Equifax Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX XXXX account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of XXXX not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from Equifax Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either Equifax DID NOT do a through investigation and did not give me my due process or when XXXX Card sent information to Equifax they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$23000.00}, {$11000.00}, {$0.00}, {$6900.00}, {$6400.00}, {$6100.00}, {$2200.00}, {$5700.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an incorrect account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX XXXX XXXX  Late payment XX/XX/XXXX 30 days late will be removed.
Complaint sub-issue: Can't temporarily postpone payments

I would like to know why my genesis loan I got back when I attended XXXX in XXXX, PA in 2012 was not part of the XXXX dollar discharge that the CFPB won in federal court. I got a letter in the mail about this event and it said I should hear something about my loan in the next couple of months. In the meantime my private genesis loan was being sold to another loan company to avoid the discharge of my loan. So I went from Genesis Lending Services to XXXX XXXX XXXX which is under University XXXX XXXX XXXX. I would like to know why my loans with Genesis were n't apart of the lawsuit and if they were part of the lawsuit then why were my loans sold to another lender shortly after the news of this lawsuit became public? I would like some clear answers about this matter.
Complaint sub-issue: Didn't receive enough information to verify debt

I have received multiple phone calls related to this debt and a letter in the amount owed of {$540.00} from Americollect. I do not feel comfortable giving my credit card information over the phone. Although it's a violation of XXXX for them to even have this debt since it is not mine and a medical for my minor child, I went to their website to try and pay and close out this liability online and the website that is indicated on the bill does not work. I have tried to pay multiple times however, this seems very scary to pay a debt over the phone then to someone I do not know.
Complaint sub-issue: Public record

It was determined that a tax lien was filed against me in error. The Department of Revenue released the lien and the reporting of such lien by the Clerk of Courts. I sent a letter to all three credit reporting agencies. The lien was removed from my XXXX and XXXX credit reports, but Equifax refused to honor the letter. I contacted them again regarding the matter and they still refuse to remove the error from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and made phone calls ( and spoke to ) XXXX customer service regarding NELNET LOANS Account XXXX reporting a XXXX delinquency in a month for which I was current 30 days prior ( according to XXXX 's own data on my credit report ). My letter, attached, states : 1. In XX/XX/XXXX, I was current ( as noted in XXXX version of my credit history ). 
2. However, in XX/XX/XXXX, XXXX is incorrectly reporting my NelNet account as 90 days past due ( impossible since I was CURRENT 30 days prior ). 
3. In XX/XX/XXXX, XXXX is incorrectly reporting my NelNet account as 90 days past due ( impossible since I was CURRENT 60 days prior ). 

I received a dispute resolution ( XXXX ) Report Number XXXX Date Generated XX/XX/XXXX, and XXXX refused to correct the obvious errors.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To who may interest : I applied for my credit report to buy my first home I am residing in XXXX XXXX since XX/XX/XXXX and I sent evidence of the XXXX boarding pass, also evidence of a Massachusset Police Ticket. 
I resided at XXXX XXXX XXXX. XXXX, Mass. XXXX. I need the following accounts to be investigated and removed from my Credit Report. These accounts belong to another person because I have not applied either in XXXX or in XXXX these two accounts belong to my wife XXXX I. XXXX XXXX. 
These are the accounts that have to be removed in the name of XXXX XXXX. 
XXXX XXXX went through the worst catastrophe Hurricane Maria and me and my family need to buy my first safe home and these accounts are affecting me to buy my Safe Home. 

This are the accounts : 1. XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX 2.XXXX XXXX {$5900.00} XXXX XXXX XXXX 3 . XXXX {$490.00} XXXX XXXX XXXX .4.XXXX {$350.00} XXXX XXXX XXXX 5. XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Amerifiniancial Solutions Medical debt XXXX They did not reached out to me about this debt when I finally got in contact with them about this debt and asked for validation of the debt they couldnt give me any information and still didnt send me anything about this debt but is still reporting even after I tried to dispute it on mine
Complaint sub-issue: Information is missing that should be on the report

Ill try once more to get the my auto loans entire account that has disappeared from Equifax last month ( XX/XX/2021 ) put back on my credit file with Equifax. The account has not been changed from the other two main credit reporting agencies. It was a closed and paid as agreed account. That should have never been deleted according the the credit provider when we contacted them yesterday about the account not showing on my Equifax account, but is still present on the other two main credit bureaus. 

The removed account is : XXXX XXXX XXXX or XXXX XXXX XXXX. 

This was also mentioned in previously and unanswered complaint ( see XXXX ) - In that already filed complaint that has yet to be answered the Closed and Paid as agreed account 's payment history was altered on the wife 's Equifax credit report and was completely removed on my Equifax credit report.
Complaint sub-issue: Personal information incorrect

I have requested on at least a dozen occasions via XXXX mail that my name, address, and work information is updated and corrected. I also requested more than a dozen times to have all the other unknown addresses, names, employers removed. A copy of my valid drivers license, a utility bill, and a check stub was sent in to all 3 credit reporting agencies. My employer information was updated, as well as my address, however the unknown names as well as the incorrect information was never removed. I have multiple credit monitoring services so when changes happen, I am alerted. There are multiple incorrect spellings of my name, and unknown addresses as well as employers on my credit profiles. I have sent in verifiable information and a letter of request to have all other information removed, it has not been..
Complaint sub-issue: Information belongs to someone else

There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. Thank you.
Complaint sub-issue: Deposits and withdrawals

We opened an account with Citibank and deposited a check from my mother and Citibank had already taken the money out of her account and apparently put a hold on my account and said there was fraud investigation. They've held the funds for over 13 business days as well as their customer service is horrible I've been on hold for the past 40 minutes trying to get my account unlocked and apparently they hung up on me and they refused to lift the hold and give me my money and close the account
Complaint sub-issue: Account information incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Can't use card to make purchases

Financial XXXX, Redlining, by US Bank created a health and safety concern for me.

US Bank was fine with me using the card until I spent money at an establishment predominantly patronized by non-white men and women. Then they stopped the card for fraud.

The fraud department was unable to verify me through the automated system so I was stranded in very cold weather in a place where I don't know anyone.

This bank should be investigated for redlining by creating fraud holds more often and aggressively on cards in locations predominantly frequented by persons of color.

If a fraud hold is needed they need to have an immediate call transfer to a live person so that an emergency does not happen like last night.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am ( XXXX ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX/XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Keep getting calls about my loan

I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job.
Complaint sub-issue: Information belongs to someone else

The information in the attachments with no Creditors how can I legally pay for something or be obligated when I don't know who it is!? 
FRCA violations : see below and attachments :
Complaint sub-issue: Debt is not mine

The company is West Asset Management. They have called me several times, and each time they ask for a different person. I have been told XXXX times that they will take my number off of their list.
Complaint sub-issue: Problem with rewards from credit card

I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$200.00} on XXXX. I expected to receive 5 % of {$200.00} or {$10.00} but I only received {$4.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$5.00}.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have a 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 consent.